NEW DIRECTIONS COMMUNITY Credit Union Profile

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NEW DIRECTIONS COMMUNITY

Charter #65356 | NCUA Region 1 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (814) 432-4091

Fax: (814) 437-2720

Founding Date: N/A

Website: https://www.newdirectionsccu.com

Personnel & Operations

President: Luton, Joyce

Manager: Baldwin, Karen

FT Employees: 19

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Monday - Thursday 9:00am to 4:30pm, Friday

Credit Union Profile Summary

NEW DIRECTIONS COMMUNITY is a FISCU Credit Union. With a total of 5,822 members [1], this institution manages approximately $39,195,441 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.84% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 11.53% [1].

Financial Snapshot

Total Assets [1]
$39,195,441

Total economic resources.

Total Loans [1]
$24,362,611

Total value of outstanding loans.

Total Deposits [1]
$33,280,666

Total funds deposited by members.

Members [1]
5,822

Number of active members.

Performance Ratios

Net Worth Ratio [1]
14.84%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.10%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
73.20%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.14%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 11.53%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.04%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

777 Allegheny Blvd

Franklin, PA, 16323
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by NEW DIRECTIONS COMMUNITY (Charter #65356).

Main Office

Franklin Oil Region Credit Union Main Office

Type: Corporate Office

101 N 13th ST

Franklin, PA 16323-2343

Phone: (814) 432-4091

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Oil City

Franklin Oil Region Credit Union

Type: Branch Office

25 E 1st St

Oil City, PA 16301

Phone: (814) 676-4504

Services: Member Services, ATM, Drive-Thru

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