BlastPoint's Credit Union Scorecard
1166
Charter #1166 · NJ
1166 has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.5% in tier
- + Member Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 16.90% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 7.5% in tier
- - Asset Growth Rate: Bottom 7.8% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,261
+3.7% YoY-45.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$18.0M
-7.7% YoY+1.7% QoQ
|
$-12.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$8.9M
+14.0% YoY+6.9% QoQ
|
$-6.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$16.6M
-8.4% YoY+2.3% QoQ
|
$-9.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.0%
-102.1% YoY-137.1% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.8%
+42.6% YoY+3.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
99.5%
-16.6% YoY-2.0% QoQ
|
+16.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
0.4%
+9.4% YoY+54.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
53.4%
+24.4% YoY+4.6% QoQ
|
-7.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$20,211
-5.2% YoY+90.1% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
3.1%
-46.9% YoY-20.9% QoQ
|
-21.3% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)