BlastPoint's Credit Union Scorecard
COMMUNITY CU OF NEW MILFORD, INC.
Charter #61261 · CT
COMMUNITY CU OF NEW MILFORD, INC. has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,896
-4.0% YoY-1.0% QoQ
|
-729 |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$15.3M
+1.2% YoY-1.9% QoQ
|
$-14.6M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$6.1M
-11.5% YoY-2.0% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$13.9M
-0.2% YoY-2.5% QoQ
|
$-11.6M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
1.6%
+80.5% YoY+2.7% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
4.3%
+23.3% YoY+2.8% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
70.8%
-11.7% YoY+0.1% QoQ
|
-10.6% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.2%
+160.5% YoY-34.3% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
43.9%
-11.3% YoY+0.6% QoQ
|
-17.3% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$10,554
+0.1% YoY-1.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
0.4%
+25.3% YoY
|
-24.0% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)