BlastPoint's Credit Union Scorecard

COMMUNITY CU OF NEW MILFORD, INC.

Charter #61261 · CT

<100M

2508 CUs in <100M nationally 43 in CT

COMMUNITY CU OF NEW MILFORD, INC. has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.21% above tier average
+ Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

- Loan Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	1,911 -0.1% YoY+0.7% QoQ	-765	2,676 +1.6% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	50%
Assets	$16.0M +1.6% YoY+4.0% QoQ	$-14.2M	$30.2M +1.3% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	42%
Loans	$5.6M -16.9% YoY-5.8% QoQ	$-9.7M	$15.3M -2.0% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	37%
Deposits	$14.5M +0.1% YoY+4.0% QoQ	$-11.3M	$25.8M +0.7% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -13.2% YoY-11.9% QoQ	+1.2%	0.1% -77.6% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	81%
NIM	4.1% +0.4% YoY-5.3% QoQ	+0.1%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	74.3% +4.0% YoY+4.7% QoQ	-16.3%	90.6% +6.5% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	0.3% -74.8% QoQ	-1.2	1.5% +3.8% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	36%
Loan To Share	38.7% -16.9% YoY-9.4% QoQ	-19.8%	58.5% -3.0% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	20%
AMR	$10,543 -5.3% YoY+0.3% QoQ	$-4K	$14,884 -1.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	31%
CD Concentration	1.1% -5.1% QoQ	-23.2%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

423

Members Per Employee (MPE)

engagement

Value: 477.750

Peer Median: 333.750

#423 of 2508 Top 16.8% in <100M tier

471

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Median: 0.61%

#471 of 2508 Top 18.7% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

626

Share Certificate Concentration (%)

balance_sheet

Value: 1.10%

Peer Median: 12.45%

#626 of 2508 Top 24.9% in <100M tier

Top Weaknesses (5 metrics)

2275

Loan Growth Rate

growth

Value: -16.88%

Peer Median: -2.36%

#2275 of 2508 Bottom 9.3% in <100M tier

2173

Net Worth Ratio

risk

Value: 9.49%

Peer Median: 14.28%

#2173 of 2508 Bottom 13.4% in <100M tier

2107

AMR Growth Rate

growth

Value: -5.26%

Peer Median: 1.27%

#2107 of 2508 Bottom 16.0% in <100M tier

2001

Loan-to-Share Ratio

balance_sheet

Value: 38.70%

Peer Median: 58.72%

#2001 of 2508 Bottom 20.3% in <100M tier

1901

Loan-to-Member Ratio (LMR)

engagement

Value: $2,942

Peer Median: $4,923

#1901 of 2508 Bottom 24.2% in <100M tier