BlastPoint's Credit Union Scorecard

CAMPBELL

Charter #2141 · NJ

100M-500M

1069 CUs in 100M-500M nationally 25 in NJ

CAMPBELL faces 8 concerns requiring attention

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.61% below tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	10,782 -1.4% YoY+0.0% QoQ	-4.7K	15,437 -2.9% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	35%
Assets	$139.1M -2.2% YoY+0.9% QoQ	$-92.8M	$231.9M +1.3% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	25%
Loans	$59.7M -4.5% YoY-1.5% QoQ	$-87.6M	$147.3M -0.1% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	Bottom 9.8% in tier
Deposits	$118.5M -3.2% YoY+0.7% QoQ	$-82.3M	$200.8M +0.8% YoY	$102.3M +10.2% YoY	$477.3M +9.7% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -18.1% YoY+30.8% QoQ	-0.6%	0.8% +18.2% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	Bottom 10.6% in tier
NIM	3.0% +12.8% YoY+2.9% QoQ	-0.6%	3.6% +6.7% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	17%
Efficiency Ratio	88.9% +3.3% YoY-0.9% QoQ	+11.9%	77.0% -3.1% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	Bottom 12.0% in tier
Delinquency Rate	1.1% +44.8% YoY+47.3% QoQ	+0.2	0.9% +4.2% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	72%
Loan To Share	50.4% -1.4% YoY-2.2% QoQ	-21.8%	72.2% -1.1% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	Bottom 11.3% in tier
AMR	$16,527 -2.2% YoY-0.0% QoQ	$-8K	$24,676 +3.4% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	Bottom 14.9% in tier
CD Concentration	0.0%	-24.4%	24.4%	14.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Efficiency Drag

risk

#29 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.89%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#227 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#226 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.06%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Shrinking Wallet Share

decline

#120 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.20%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#36 of 56 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.20%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Membership Headwinds

decline

#421 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#200 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $139.07M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

122

Members Per Employee (MPE)

engagement

Value: 449.250

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

209

Net Worth Ratio

risk

Value: 14.27%

Peer Median: -

#209 of 1069 Top 19.5% in 100M-500M tier

227

First Mortgage Concentration (%)

balance_sheet

Value: 15.28%

Peer Median: -

#227 of 1069 Top 21.1% in 100M-500M tier

Top Weaknesses (14 metrics)

1011

Fee Income Per Member

profitability

Value: $74.33

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

1003

Deposit Growth Rate

growth

Value: -3.16%

Peer Median: -

#1003 of 1069 Bottom 6.3% in 100M-500M tier

986

Asset Growth Rate

growth

Value: -2.21%

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

974

Loan-to-Member Ratio (LMR)

engagement

Value: $5,537

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

970

AMR Growth Rate

growth

Value: -2.20%

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

964

Total Loans

balance_sheet

Value: $59.70M

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

956

Return on Assets (ROA)

profitability

Value: 0.15%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

948

Loan-to-Share Ratio

balance_sheet

Value: 50.38%

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

942

Efficiency Ratio

profitability

Value: 88.89%

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

931

Loan Growth Rate

growth

Value: -4.50%

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier