New Directions Community
Franklin, PA · Charter 65356 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$40.7MAssets
$25.6MLoans
$34.7MShares
$5.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets (rank 311 of 1683).
- Widest gap: efficiency ratio trails 87% of credit unions under $1B in assets (rank 1467 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.12%
Rank 1,431 of 1,683
Net Interest Margin
4.54%
Rank 311 of 1,683
Efficiency Ratio
93.23%
Rank 1,467 of 1,682
Equity / Assets
14.54%
Rank 596 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,431 / 1,683 | | |
| Return on Equity | 0.84% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,439 / 1,681 | | |
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 82% | 311 / 1,683 | | |
| Efficiency Ratio | 93.23% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,467 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.26% | 0.65% | 1.29% | Beats 45% | 930 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.54% | 10.44% | 12.89% | 16.53% | Beats 65% | 596 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.54% | 10.44% | 12.89% | 16.53% | Beats 65% | 596 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.75% | 52.61% | 69.38% | 83.50% | 58th pctl | 703 / 1,683 | | |
| Loans / Assets | 62.87% | 44.71% | 59.18% | 70.72% | 58th pctl | 704 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |