BlastPoint's Credit Union Scorecard
PICATINNY
Charter #3291 · NJ
PICATINNY has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 84.2% in tier
- + Organic Growth Leader: Top 91.1% in tier
- + Relationship Depth Leader: Top 91.8% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 3.1% in tier
- + Total Assets: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 70.0% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 4.83% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,834
+0.8% YoY-0.2% QoQ
|
+4.4K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$464.6M
+3.9% YoY+0.4% QoQ
|
+$232.8M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 3.6% in tier |
| Loans |
$249.8M
-2.8% YoY-1.8% QoQ
|
+$102.5M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 14.0% in tier |
| Deposits |
$408.4M
+6.2% YoY+5.0% QoQ
|
+$207.6M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 3.2% in tier |
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| ROA |
0.6%
+182.6% YoY-7.3% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
3.4%
+9.3% YoY-0.2% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
81.8%
-10.3% YoY+1.6% QoQ
|
+4.8% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.7%
-9.8% YoY+56.0% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
61.2%
-8.5% YoY-6.4% QoQ
|
-11.1% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$33,187
+1.8% YoY+2.5% QoQ
|
+$9K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 11.7% in tier |
| CD Concentration |
17.8%
+15.7% YoY-0.5% QoQ
|
-6.6% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)