N C P D

Charter #3850 | NY

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in NY

N C P D has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 35.2% in tier
  • + Wallet Share Momentum: Top 36.4% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.9% in tier
  • + Net Charge-Off Rate: Top 2.7% in tier
  • + Net Worth Ratio: Top 7.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 2.0% in tier
  • - Flatlined Growth: Bottom 5.8% in tier
  • - ROA 0.04% below tier average
  • - Net Interest Margin (NIM): Bottom 0.9% in tier
  • - Total Members: Bottom 1.8% in tier
  • - Fee Income Per Member: Bottom 3.6% in tier
  • - First Mortgage Concentration (%): Bottom 3.6% in tier
  • - Total Loans: Bottom 3.6% in tier
  • - Loan-to-Share Ratio: Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 16,420
-0.5% YoY-0.2% QoQ
 -35.7K 52,114
-2.1% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Bottom 0.9% in tier
Assets $897.0M
-1.0% YoY+0.3% QoQ
 +$38.0M $859.0M
+0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 69th in tier
Loans $331.2M
-0.1% YoY-0.3% QoQ
 $-272.1M $603.4M
+1.0% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.7% in tier
Deposits $731.3M
+0.1% YoY+0.1% QoQ
 $-2.9M $734.2M
+0.9% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 54th in tier
ROA 0.7%
+38.4% YoY+1.7% QoQ
 -0.0% 0.7%
+27.6% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 45th in tier
NIM 1.6%
+16.6% YoY+1.4% QoQ
 -1.8% 3.4%
+9.6% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 0.0% in tier
Efficiency Ratio 60.8%
-7.8% YoY-0.0% QoQ
 -13.7% 74.5%
-3.2% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 12.5% in tier
Delinquency Rate 0.3%
-35.0% YoY-29.8% QoQ
 -0.5 0.8%
+5.0% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 11.6% in tier
Loan To Share 45.3%
-0.2% YoY-0.4% QoQ
 -37.4% 82.7%
+0.1% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 3.6% in tier
AMR $64,707
+0.5% YoY+0.2% QoQ
 +$36K $28,651
+2.5% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Top 1.8% in tier
CD Concentration 25.1%
+14.4% YoY+5.4% QoQ
 +0.7% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 53rd in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#971 of 1006 • Top 35.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.53%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#1003 of 1006 • Top 36.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.53%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Liquidity Overhang

risk
#32 of 552 • Bottom 2.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.25%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 45.29%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Flatlined Growth

risk
#7 of 58 • Bottom 5.8% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $897.02M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -0.98%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.67%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
2
Average Member Relationship (AMR)
engagement
Value: $64,707
Peer Avg: $28,651
#2 of 112 Top 0.9% in 750M-1B tier
4
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.61%
#4 of 112 Top 2.7% in 750M-1B tier
9
Net Worth Ratio
risk
Value: 16.25%
Peer Avg: 11.52%
#9 of 112 Top 7.1% in 750M-1B tier
9
Loan-to-Member Ratio (LMR)
engagement
Value: $20,172
Peer Avg: $12,810
#9 of 112 Top 7.1% in 750M-1B tier
14
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Avg: 0.82%
#14 of 112 Top 11.6% in 750M-1B tier
14
Members Per Employee (MPE)
engagement
Value: 482.941
Peer Avg: 361.634
#14 of 112 Top 11.6% in 750M-1B tier
15
Efficiency Ratio
profitability
Value: 60.81%
Peer Avg: 74.52%
#15 of 112 Top 12.5% in 750M-1B tier

Top Weaknesses (9 metrics)

112
Net Interest Margin (NIM)
profitability
Value: 1.62%
Peer Avg: 3.38%
#112 of 112 Bottom 0.9% in 750M-1B tier
111
Total Members
engagement
Value: 16,420
Peer Avg: 52,114
#111 of 112 Bottom 1.8% in 750M-1B tier
109
Fee Income Per Member
profitability
Value: $61.16
Peer Avg: $204.75
#109 of 112 Bottom 3.6% in 750M-1B tier
109
First Mortgage Concentration (%)
balance_sheet
Value: 66.57%
Peer Avg: 33.64%
#109 of 112 Bottom 3.6% in 750M-1B tier
109
Total Loans
balance_sheet
Value: $331.22M
Peer Avg: $603.36M
#109 of 112 Bottom 3.6% in 750M-1B tier
108
Loan-to-Share Ratio
balance_sheet
Value: 45.29%
Peer Avg: 82.66%
#108 of 112 Bottom 4.5% in 750M-1B tier
100
Deposit Growth Rate
growth
Value: 0.09%
Peer Avg: 5.03%
#100 of 112 Bottom 11.6% in 750M-1B tier
95
Asset Growth Rate
growth
Value: -0.98%
Peer Avg: 4.25%
#95 of 112 Bottom 16.1% in 750M-1B tier
85
AMR Growth Rate
growth
Value: 0.53%
Peer Avg: 4.90%
#85 of 112 Bottom 25.0% in 750M-1B tier