BlastPoint's Credit Union Scorecard

NORTH JERSEY

Charter #1015 · NJ

100M-500M
1070 CUs in 100M-500M nationally 25 in NJ

NORTH JERSEY has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?
NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + ROA 0.05% above tier average
  • + Net Interest Margin 0.13% above tier average
  • + Strong member growth: 13.7% YoY
  • + Member Growth Rate: Top 2.9% in tier
  • + Total Members: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - Efficiency ratio 2.78% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 3.9% in tier
  • - Average Member Relationship (AMR): Bottom 5.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 27,820
+13.7% YoY+0.6% QoQ
 +12.7K 15,145
-2.5% YoY
 7,451
+5.5% YoY
 33,913
+5.7% YoY
 Top 8.4% in tier
Assets $256.7M
+9.7% YoY+1.6% QoQ
 +$25.0M $231.7M
+0.8% YoY
 $121.0M
+5.7% YoY
 $578.3M
+9.0% YoY
 65%
Loans $150.9M
+2.2% YoY-2.0% QoQ
 +$6.7M $144.1M
+0.2% YoY
 $75.7M
+10.1% YoY
 $402.4M
+8.7% YoY
 62%
Deposits $236.0M
+9.0% YoY+1.6% QoQ
 +$34.9M $201.1M
+0.4% YoY
 $104.6M
+7.1% YoY
 $494.3M
+9.1% YoY
 67%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.8%
+303.4% QoQ
 +0.1% 0.7%
+5.1% YoY
 0.4%
-4.8% YoY
 0.4%
-39.2% YoY
 56%
NIM 3.8%
+6.4% YoY+6.2% QoQ
 +0.1% 3.6%
+4.6% YoY
 3.8%
+4.3% YoY
 3.8%
+4.1% YoY
 60%
Efficiency Ratio 80.8%
-12.3% YoY-10.7% QoQ
 +2.8% 78.0%
-1.7% YoY
 85.6%
-4.2% YoY
 84.6%
+2.8% YoY
 58%
Delinquency Rate 0.8%
-32.1% YoY-30.1% QoQ
 +0.0 0.8%
+7.1% YoY
 2.4%
+59.8% YoY
 1.2%
+3.4% YoY
 62%
Loan To Share 63.9%
-6.2% YoY-3.6% QoQ
 -6.5% 70.4%
-0.4% YoY
 51.7%
-1.0% YoY
 65.6%
-1.4% YoY
 34%
AMR $13,906
-6.5% YoY-0.4% QoQ
 $-11K $24,918
+2.7% YoY
 $16,671
+1.3% YoY
 $19,920
+1.6% YoY
 Bottom 5.4% in tier
CD Concentration 10.6%
-4.3% YoY-4.6% QoQ
 -13.7% 24.3% 14.5% 19.8% 50%
Indirect Auto % 0.2%
-67.2% YoY-24.9% QoQ
 -13.6% 13.8% 1.0% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#18 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 13.66%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.21%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth
#65 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 13.66%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.78%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.21%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline
#45 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -6.52%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | Rank improving

Efficiency Drag

risk
#595 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.80%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.76% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 13.66%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

32
Member Growth Rate
growth
Value: 13.66%
Peer Median: -0.06%
#32 of 1070 Top 2.9% in 100M-500M tier
90
Total Members
engagement
Value: 27,820
Peer Median: 13,200
#90 of 1070 Top 8.3% in 100M-500M tier
121
Asset Growth Rate
growth
Value: 9.65%
Peer Median: 3.91%
#121 of 1070 Top 11.2% in 100M-500M tier
123
Share Certificate Concentration (%)
balance_sheet
Value: 10.59%
Peer Median: 23.10%
#123 of 1070 Top 11.4% in 100M-500M tier
137
Deposit Growth Rate
growth
Value: 9.00%
Peer Median: 3.30%
#137 of 1070 Top 12.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1029
AMR Growth Rate
growth
Value: -6.52%
Peer Median: 3.46%
#1029 of 1070 Bottom 3.9% in 100M-500M tier
1012
Average Member Relationship (AMR)
engagement
Value: $13,906
Peer Median: $22,931
#1012 of 1070 Bottom 5.5% in 100M-500M tier
980
Loan-to-Member Ratio (LMR)
engagement
Value: $5,423
Peer Median: $9,356
#980 of 1070 Bottom 8.5% in 100M-500M tier
873
First Mortgage Concentration (%)
balance_sheet
Value: 46.39%
Peer Median: 29.47%
#873 of 1070 Bottom 18.5% in 100M-500M tier
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