BlastPoint's Credit Union Scorecard
NEW CUMBERLAND
Charter #8110 · PA
NEW CUMBERLAND has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Net Interest Margin 0.47% above tier average
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Member decline: -2.0% YoY
- - Loan Growth Rate: Bottom 1.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,747
-2.0% YoY+2.7% QoQ
|
+7.3K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$229.4M
-2.0% YoY+1.0% QoQ
|
$-2.5M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$146.8M
-12.6% YoY-3.6% QoQ
|
$-551K |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$207.6M
-2.5% YoY+1.2% QoQ
|
+$6.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.8%
+49.5% YoY+10.0% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
4.1%
+20.2% YoY+0.9% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
75.5%
-7.0% YoY-2.1% QoQ
|
-1.5% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.5%
-0.2% YoY+41.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
70.7%
-10.4% YoY-4.8% QoQ
|
-1.5% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$15,579
-5.0% YoY-3.5% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.7% in tier |
| CD Concentration |
19.4%
-25.5% YoY-4.2% QoQ
|
-5.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
38.8%
-9.8% YoY-2.9% QoQ
|
+25.0% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)