BlastPoint's Credit Union Scorecard
MANVILLE AREA
Charter #2168 · NJ
MANVILLE AREA has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 17.87% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,871
-0.7% YoY-0.6% QoQ
|
-744 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$29.7M
-1.7% YoY+0.8% QoQ
|
$-467K |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$15.2M
-2.4% YoY+2.4% QoQ
|
$-547K |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$26.1M
-1.9% YoY+1.5% QoQ
|
+$367K |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
-0.0%
-113.2% YoY-48.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
2.9%
-4.3% YoY+0.2% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
100.4%
+8.5% YoY-0.7% QoQ
|
+17.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
58.4%
-0.4% YoY+0.8% QoQ
|
-2.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$22,057
-1.3% YoY+2.5% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 14.4% in tier |
| CD Concentration |
14.2%
-15.1% YoY-8.6% QoQ
|
-10.3% | 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)