BlastPoint's Credit Union Scorecard
RIDGEDALE
Charter #5419 · NJ
RIDGEDALE has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 1.7% in tier
- + Total Assets: Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + Fee Income Per Member: Top 4.2% in tier
- + Total Loans: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 21.04% above tier (higher cost structure)
- - Member decline: -5.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,709
-5.1% YoY-1.0% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$94.9M
-4.3% YoY-1.8% QoQ
|
+$64.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 1.9% in tier |
| Loans |
$46.9M
+1.0% YoY-0.4% QoQ
|
+$31.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 6.8% in tier |
| Deposits |
$85.9M
-4.9% YoY-2.0% QoQ
|
+$60.3M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 0.9% in tier |
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| ROA |
-0.3%
-56.6% YoY-12.3% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.7% in tier |
| NIM |
3.4%
+25.4% YoY+3.2% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
103.6%
-13.9% YoY-2.9% QoQ
|
+21.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
1.2%
+47.8% YoY+12.6% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
54.5%
+6.1% YoY+1.6% QoQ
|
-6.1% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$35,809
+2.3% YoY-0.5% QoQ
|
+$21K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 1.7% in tier |
| CD Concentration |
22.1%
+13.8% YoY-2.3% QoQ
|
-2.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)