BlastPoint's Credit Union Scorecard

NEW CUMBERLAND

Charter #8110 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

NEW CUMBERLAND has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.15% above tier average
+ Net Interest Margin 0.59% above tier average

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Loan Growth Rate: Bottom 0.7% in tier
- AMR Growth Rate: Bottom 2.4% in tier
- Indirect Auto Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	22,762 +3.8% YoY+0.1% QoQ	+7.6K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	84%
Assets	$232.7M +1.0% YoY+1.5% QoQ	+$1.0M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	59%
Loans	$138.3M -14.3% YoY-5.8% QoQ	$-5.9M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	58%
Deposits	$210.4M +0.9% YoY+1.4% QoQ	+$9.3M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	62%

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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	0.9% +143.3% YoY+7.2% QoQ	+0.1%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	62%
NIM	4.2% +11.1% YoY+3.6% QoQ	+0.6%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	83%
Efficiency Ratio	73.4% -12.5% YoY-2.8% QoQ	-4.6%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	32%
Delinquency Rate	0.6% +39.2% YoY+26.7% QoQ	-0.1	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	52%
Loan To Share	65.7% -15.0% YoY-7.1% QoQ	-4.7%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	37%
AMR	$15,319 -9.2% YoY-1.7% QoQ	$-10K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 10.2% in tier
CD Concentration	18.8% -8.6% YoY-3.2% QoQ	-5.5%	24.3%	15.4%	19.8%	50%
Indirect Auto %	37.0% -12.1% YoY-4.6% QoQ	+23.2%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#84 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.87%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.77%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#27 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.17%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#363 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#367 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.98%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 37.05%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.77%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (4 metrics)

123

Members Per Employee (MPE)

engagement

Value: 446.314

Peer Median: 309.176

#123 of 1070 Top 11.4% in 100M-500M tier

167

Total Members

engagement

Value: 22,762

Peer Median: 13,200

#167 of 1070 Top 15.5% in 100M-500M tier

169

Member Growth Rate

growth

Value: 3.77%

Peer Median: -0.06%

#169 of 1070 Top 15.7% in 100M-500M tier

185

Net Interest Margin (NIM)

profitability

Value: 4.22%

Peer Median: 3.62%

#185 of 1070 Top 17.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1063

Loan Growth Rate

growth

Value: -14.29%

Peer Median: 2.93%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1045

AMR Growth Rate

growth

Value: -9.17%

Peer Median: 3.46%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

965

Indirect Auto Concentration (%)

balance_sheet

Value: 37.05%

Peer Median: 6.61%

#965 of 1070 Bottom 9.9% in 100M-500M tier

961

Average Member Relationship (AMR)

engagement

Value: $15,319

Peer Median: $22,931

#961 of 1070 Bottom 10.3% in 100M-500M tier

916

Loan-to-Member Ratio (LMR)

engagement

Value: $6,074

Peer Median: $9,356

#916 of 1070 Bottom 14.5% in 100M-500M tier

904

Net Worth Ratio

risk

Value: 9.12%

Peer Median: 11.45%

#904 of 1070 Bottom 15.6% in 100M-500M tier

858

Fee Income Per Member

profitability

Value: $101.06

Peer Median: $154.95

#858 of 1070 Bottom 19.9% in 100M-500M tier

819

Asset Growth Rate

growth

Value: 0.98%

Peer Median: 3.91%

#819 of 1070 Bottom 23.6% in 100M-500M tier