BlastPoint's Credit Union Scorecard

NORTH JERSEY

Charter #1015 · NJ

100M-500M

1024 CUs in 100M-500M nationally 24 in NJ

NORTH JERSEY has 7 strengths but faces 8 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
+ Net Interest Margin 0.20% above tier average
+ Strong member growth: 10.6% YoY
+ Member Growth Rate: Top 2.7% in tier
+ Total Members: Top 9.0% in tier
+ Asset Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.29% below tier average
- Efficiency ratio 8.50% above tier (higher cost structure)
- AMR Growth Rate: Bottom 5.6% in tier
- Average Member Relationship (AMR): Bottom 5.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
Shares and deposits +9.7% year over year ($235M in shares and deposits).
Membership: 27,290 members, +10.6% vs a year ago.
Delinquency rate 0.89%.
Return on assets 0.58%.
Efficiency ratio 85.23% vs a 76.73% peer average.
Loan-to-share ratio 62.92% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	27,290 +10.6% YoY-1.9% QoQ	+12.1K	15,168 -2.6% YoY	7,520 +5.0% YoY	34,678 +6.6% YoY	Top 9.1% in tier
Assets	$255.6M +10.0% YoY-0.4% QoQ	+$23.6M	$232.0M +0.7% YoY	$121.5M +6.2% YoY	$593.1M +10.2% YoY	64%
Loans	$147.6M +1.4% YoY-2.2% QoQ	+$1.3M	$146.3M +0.2% YoY	$76.8M +8.6% YoY	$418.6M +10.1% YoY	60%
Deposits	$234.6M +9.7% YoY-0.6% QoQ	+$33.9M	$200.7M +0.2% YoY	$104.3M +6.9% YoY	$504.8M +10.3% YoY	67%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +125.8% YoY-26.2% QoQ	-0.3%	0.9% +12.5% YoY	0.9% +81.6% YoY	1.2% +121.4% YoY	34%
NIM	3.9% +7.2% YoY+3.3% QoQ	+0.2%	3.7% +4.5% YoY	3.9% +3.8% YoY	3.8% +2.3% YoY	64%
Efficiency Ratio	85.2% -6.3% YoY+5.5% QoQ	+8.5%	76.7% -0.8% YoY	85.3% -2.0% YoY	83.0% -5.3% YoY	77%
Delinquency Rate	0.9% +11.8% YoY+16.4% QoQ	+0.0	0.9% +6.6% YoY	2.2% +22.2% YoY	1.3% +2.6% YoY	63%
Loan To Share	62.9% -7.6% YoY-1.6% QoQ	-8.6%	71.5% -0.3% YoY	52.7% +0.2% YoY	66.4% -1.4% YoY	30%
AMR	$14,006 -3.8% YoY+0.7% QoQ	$-11K	$25,107 +3.2% YoY	$16,658 -5.0% YoY	$20,028 -0.9% YoY	Bottom 5.6% in tier
CD Concentration	10.8% -4.6% YoY+1.9% QoQ	-13.8%	24.6%	14.8%	20.0%	50%
Indirect Auto %	0.2% -65.8% YoY-22.4% QoQ	-13.5%	13.6%	1.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#19 of 342 • 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): 10.55%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.16%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#109 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.55%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.58%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.16%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Shrinking Wallet Share

decline

#71 of 223 • 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): -3.84%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY

Credit Quality Pressure

risk

#495 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Efficiency Drag

risk

#463 of 531 • 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: 85.23%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 10.55%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Risk Growth

risk

#434 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.38%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Member Growth Rate

growth

Value: 10.55%

Peer Median: -0.03%

#29 of 1024 Top 2.7% in 100M-500M tier

Total Members

engagement

Value: 27,290

Peer Median: 13,128

#93 of 1024 Top 9.0% in 100M-500M tier

102

Asset Growth Rate

growth

Value: 9.96%

Peer Median: 4.12%

#102 of 1024 Top 9.9% in 100M-500M tier

106

Deposit Growth Rate

growth

Value: 9.67%

Peer Median: 3.58%

#106 of 1024 Top 10.3% in 100M-500M tier

120

Share Certificate Concentration (%)

balance_sheet

Value: 10.79%

Peer Median: 23.39%

#120 of 1024 Top 11.6% in 100M-500M tier

197

Members Per Employee (MPE)

engagement

Value: 401.324

Peer Median: 310.924

#197 of 1024 Top 19.1% in 100M-500M tier

Top Weaknesses (5 metrics)

968

AMR Growth Rate

growth

Value: -3.84%

Peer Median: 3.53%

#968 of 1024 Bottom 5.6% in 100M-500M tier

967

Average Member Relationship (AMR)

engagement

Value: $14,006

Peer Median: $23,006

#967 of 1024 Bottom 5.7% in 100M-500M tier

941

Loan-to-Member Ratio (LMR)

engagement

Value: $5,409

Peer Median: $9,434

#941 of 1024 Bottom 8.2% in 100M-500M tier

841

First Mortgage Concentration (%)

balance_sheet

Value: 46.76%

Peer Median: 29.92%

#841 of 1024 Bottom 18.0% in 100M-500M tier

787

Efficiency Ratio

profitability

Value: 85.23%

Peer Median: 77.26%

#787 of 1024 Bottom 23.2% in 100M-500M tier