BlastPoint's Credit Union Scorecard
NEW DIRECTIONS COMMUNITY
Charter #65356 · PA
NEW DIRECTIONS COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + Loan Growth Rate: Top 4.5% in tier
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 8.70% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,803
-0.1% YoY-1.1% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 9.9% in tier |
| Assets |
$38.5M
+2.1% YoY+1.6% QoQ
|
+$8.3M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$25.9M
+17.7% YoY+1.9% QoQ
|
+$10.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$32.5M
+2.6% YoY+1.9% QoQ
|
+$6.8M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.2%
-80.9% YoY+140.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
4.7%
+4.6% YoY+3.0% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
91.3%
+10.6% YoY-1.5% QoQ
|
+8.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.8%
+14.0% YoY-1.4% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
79.7%
+14.7% YoY+0.1% QoQ
|
+19.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$10,065
+8.9% YoY+3.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
18.5%
+12.8% YoY+12.1% QoQ
|
-5.9% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
26.4%
+349.5% YoY+9.2% QoQ
|
+12.6% | 13.8% | 8.1% | 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)