BlastPoint's Credit Union Scorecard
FIRST ATLANTIC
Charter #82 · NJ
FIRST ATLANTIC has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.5% in tier
- + ROA 0.74% above tier average
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio: Top 6.2% in tier
- + AMR Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 2.9% in tier
- - Institutional Decline: Bottom 7.1% in tier
- - Membership Headwinds: Bottom 8.3% in tier
- - Indirect Auto Dependency: Bottom 26.7% in tier
- - Delinquency rate 0.16% above tier average
- - Member decline: -9.0% YoY
- - Member Growth Rate: Bottom 3.8% in tier
- - Loan Growth 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 |
21,897
-9.0% YoY-4.3% QoQ
|
+6.5K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$321.8M
+7.9% YoY+3.3% QoQ
|
+$89.9M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$200.2M
-5.8% YoY+0.9% QoQ
|
+$52.9M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$273.3M
+7.5% YoY+3.4% QoQ
|
+$72.5M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
1.5%
-5.2% YoY-2.4% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 10.8% in tier |
| NIM |
3.9%
-9.5% YoY-2.2% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
58.7%
-1.9% YoY+2.8% QoQ
|
-18.3% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate |
1.0%
-34.9% YoY+9.1% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
73.3%
-12.4% YoY-2.5% QoQ
|
+1.0% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$21,625
+11.5% YoY+6.9% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
11.4%
+57.3% YoY+13.2% QoQ
|
-13.0% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
21.2%
-29.3% YoY-10.6% QoQ
|
+7.4% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)