NEW DIRECTIONS COMMUNITY
Charter #65356 · Franklin, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,781 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.01% sits at the 18th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.65% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 54th — a 30-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NEW DIRECTIONS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.79M | 85th pct | 54th pct |
| Members | 5,781 | 98th pct | 77th pct |
| Net worth ratio | 14.46% | 56th pct | 57th pct |
| Return on average assets | 0.01% | 18th pct | 18th pct |
| Net interest margin | 4.62% | 82th pct | 69th pct |
| Cost of funds | 0.93% | 54th pct | 49th pct |
| Loan-to-share | 74.67% | 77th pct | 66th pct |
| Delinquency 60+ days | 0.87% | 64th pct | 64th pct |
| Net charge-off ratio | 0.37% | 66th pct | 41th pct |
| Loan growth YoY | 2.17% | 83th pct | 79th pct |
| Share growth YoY | 9.01% | 94th pct | 89th pct |
| Efficiency ratio | 94.65% | 82th pct | 84th pct |
structural peer set hash: e28069352e169eae7c555acd863961c4… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.