BlastPoint's Credit Union Scorecard
MOTION
Charter #53 · NJ
MOTION has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency ratio 6.31% above tier (higher cost structure)
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,050
-2.9% YoY-1.1% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 13.4% in tier |
| Assets |
$61.0M
-1.7% YoY+0.1% QoQ
|
+$30.9M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$39.5M
-2.4% YoY+1.6% QoQ
|
+$23.8M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 10.7% in tier |
| Deposits |
$54.3M
-2.6% YoY-0.2% QoQ
|
+$28.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.3%
-61.5% YoY-33.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.3%
-3.1% YoY+0.7% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
88.9%
+8.9% YoY+3.2% QoQ
|
+6.3% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.0%
-18.3% YoY+39.8% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
72.8%
+0.2% YoY+1.8% QoQ
|
+12.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$18,580
+0.4% YoY+1.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
3.3%
-12.3% YoY-35.2% QoQ
|
-21.2% | 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)