BlastPoint's Credit Union Scorecard
BRIDGETON ONIZED
Charter #3476 · NJ
BRIDGETON ONIZED has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.06% above tier average
- + Total Members: Top 5.0% in tier
- + Loan-to-Share Ratio: Top 7.1% in tier
- + Total Loans: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Delinquency rate 0.29% above tier average
- - Net Worth Ratio: Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,281
-1.5% YoY-0.3% QoQ
|
+4.7K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 5.0% in tier |
| Assets |
$49.9M
+6.6% YoY+2.3% QoQ
|
+$19.7M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$42.8M
+6.1% YoY+0.7% QoQ
|
+$27.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 8.5% in tier |
| Deposits |
$45.5M
+6.5% YoY+2.7% QoQ
|
+$19.8M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.3%
-25.5% YoY+15.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
6.0%
-2.2% YoY-1.0% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
78.2%
+5.2% YoY+1.1% QoQ
|
-4.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
1.8%
-26.0% YoY+8.3% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
94.2%
-0.4% YoY-2.0% QoQ
|
+33.6% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 7.2% in tier |
| AMR |
$12,130
+7.9% YoY+2.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
1.3%
-0.8% YoY-2.5% QoQ
|
-23.1% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
12.3%
-26.9% YoY-9.7% QoQ
|
-1.5% | 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)