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 0.91% above tier average
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,897
-4.1% YoY+0.1% QoQ
|
-718 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$15.4M
+0.3% YoY+0.8% QoQ
|
$-14.7M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$6.0M
-13.2% YoY-2.3% QoQ
|
$-9.8M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$14.0M
-1.2% YoY+0.5% QoQ
|
$-11.7M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
1.5%
+55.8% YoY-3.1% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
4.3%
+19.6% YoY+1.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
70.9%
-9.0% YoY+0.2% QoQ
|
-11.6% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.3%
+391.4% YoY+611.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
42.7%
-12.1% YoY-2.7% QoQ
|
-17.9% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$10,511
-1.1% YoY-0.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration |
1.2%
+211.9% QoQ
|
-23.3% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 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)