BlastPoint's Credit Union Scorecard
NEW ALLIANCE
Charter #373 · PA
NEW ALLIANCE has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + ROA 0.32% above tier average
- + Strong member growth: 6.9% YoY
- + Asset Growth Rate: Top 3.3% in tier
- + Deposit Growth Rate: Top 3.7% in tier
- + Member Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 1.58% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
- - Total Assets: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,881
+6.9% YoY-0.8% QoQ
|
-7.3K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$113.3M
+14.7% YoY-1.6% QoQ
|
$-118.4M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.3% in tier |
| Loans |
$61.7M
+6.8% YoY+0.5% QoQ
|
$-82.5M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.9% in tier |
| Deposits |
$101.8M
+13.7% YoY-0.3% QoQ
|
$-99.4M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+25.2% YoY+0.9% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.6%
+14.3% YoY+8.5% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
73.6%
-13.0% YoY-1.1% QoQ
|
-4.5% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
2.4%
+16.2% YoY-11.7% QoQ
|
+1.6 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
60.6%
-6.1% YoY+0.7% QoQ
|
-9.8% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$20,742
+3.8% YoY+0.8% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
18.1%
+8.1% YoY-3.7% QoQ
|
-6.2% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
12.5%
-15.8% YoY+0.5% QoQ
|
-1.3% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)