BlastPoint's Credit Union Scorecard
CRIERS
Charter #5321 · NJ
2556 CUs in <100M nationally
98 in NJ
CRIERS has 5 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Member decline: -17.7% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - Asset Growth Rate: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 1.2% in tier
- - Total Members: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Member Growth Rate: Bottom 2.2% in tier
- - Total Loans: Bottom 3.1% in tier
- - AMR Growth Rate: Bottom 4.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
- - Total Assets: Bottom 8.3% in tier
- - Total Deposits: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
107
-17.7% YoY-5.3% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 1.5% in tier |
| Assets |
$1.7M
-21.1% YoY-5.6% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.3% in tier |
| Loans |
$126,090
-48.4% YoY-23.1% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.0% in tier |
| Deposits |
$1.3M
-25.4% YoY-6.4% QoQ
|
$-24.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.3% in tier |
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| ROA |
0.3%
-42.6% YoY-72.2% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
0.9%
-30.7% YoY-47.0% QoQ
|
-3.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
64.1%
+14.6% YoY+108.8% QoQ
|
-18.5% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
9.6%
-30.8% YoY-17.9% QoQ
|
-51.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.8% in tier |
| AMR |
$13,458
-12.8% YoY-3.0% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
48% |
| 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 (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
338
Net Worth Ratio
risk
Value:
23.67%
Peer Median: -
#338 of 2556
Top 13.2% in <100M tier
429
Efficiency Ratio
profitability
Value:
64.11%
Peer Median: -
#429 of 2556
Top 16.7% in <100M tier
Top Weaknesses (14 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2539
Net Interest Margin (NIM)
profitability
Value:
0.92%
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2527
Asset Growth Rate
growth
Value:
-21.08%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2527
Loan Growth Rate
growth
Value:
-48.37%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2527
Deposit Growth Rate
growth
Value:
-25.43%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2517
Total Members
engagement
Value:
107
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2507
Loan-to-Share Ratio
balance_sheet
Value:
9.60%
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2502
Member Growth Rate
growth
Value:
-17.69%
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2479
Total Loans
balance_sheet
Value:
$126,090
Peer Median: -
#2479 of 2556
Bottom 3.1% in <100M tier
2453
AMR Growth Rate
growth
Value:
-12.79%
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier