Credit Union Safety Analysis
Is New Directions Community Credit Union Safe? Franklin, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, New Directions Community Credit Union has a net worth ratio of 14.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.76%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, New Directions Community Credit Union's net worth ratio is 14.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.54%
- Delinquency ratio (60+ days) (Q2 2026): 0.76%
- Return on assets (Q2 2026): 0.24%
- Loan-to-share ratio (Q2 2026): 73.75%
New Directions Community Credit Union (NCUA charter 65356, established 1977) reported $40.7M in assets and 5,735 members for Q2 2026 from Franklin, Pennsylvania. It ranks 135 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.0% from $39.2M on June 30, 2025. It has 87 fewer members than on June 30, 2025 (-1.5%). Its net worth ratio was down 0.30 percentage points from 14.84% on June 30, 2025. Used vehicle loans are its largest loan category, $10.1M of $25.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.76% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.46% for Q1 2026; 14.84% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.87% for Q1 2026; 0.89% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.01% for Q1 2026; -0.13% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 74.67% for Q1 2026; 73.20% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $10.1M
- 1- to 4-family residential and other consumer real estate loans: $6.1M
- New vehicle loans: $3.9M
- Other unsecured loans and lines of credit: $3.4M
- Unsecured credit card loans: $1.1M
- Other secured non-real estate loans and lines of credit: $716K
- Non-federally guaranteed student loans: $221K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $40.7M | 14.54% | 0.76% | 0.24% | 73.75% |
| March 31, 2026 | $40.8M | 14.46% | 0.87% | 0.01% | 74.67% |
| December 31, 2025 | $38.5M | 15.32% | 0.80% | 0.45% | 79.72% |
| September 30, 2025 | $37.9M | 15.46% | 0.81% | 0.41% | 79.67% |
| June 30, 2025 | $39.2M | 14.84% | 0.89% | -0.13% | 73.20% |
| March 31, 2025 | $40.0M | 14.59% | 1.01% | -0.06% | 66.26% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
New Directions Community Credit Union profile
Regulator records: NCUA credit union profile (charter 65356) · FFIEC NIC profile (RSSD 81090)
Frequently asked questions
Is New Directions Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, New Directions Community Credit Union's net worth ratio is 14.54%, above the 7% NCUA threshold for well capitalized.
Is New Directions Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. New Directions Community Credit Union is a federally insured credit union (NCUA charter 65356): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are New Directions Community Credit Union's key safety ratios?
For Q2 2026, New Directions Community Credit Union reports net worth 14.54%, delinquency 0.76%, ROA 0.24%, loan-to-share 73.75%.
What happens to my money if New Directions Community Credit Union fails?
For Q2 2026, New Directions Community Credit Union held $34.7M in shares and deposits for 5,735 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.