BlastPoint's Credit Union Scorecard
FIRST POINT
Charter #10319 · NJ
FIRST POINT has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 1.3% in tier
- + Average Member Relationship (AMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Efficiency ratio 24.55% above tier (higher cost structure)
- - Member decline: -29.0% YoY
- - Member Growth Rate: Bottom 1.0% in tier
- - Net Worth Ratio: Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 4.0% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
- - Share Certificate Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,186
-29.0% YoY-1.8% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$25.2M
-4.4% YoY-1.4% QoQ
|
$-5.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$6.6M
-8.1% YoY-0.6% QoQ
|
$-8.6M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$24.2M
-5.8% YoY-1.2% QoQ
|
$-1.6M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
-0.5%
-18.0% YoY-883.0% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.4% in tier |
| NIM |
2.1%
+23.5% YoY-1.8% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
115.2%
-14.0% YoY+16.3% QoQ
|
+24.5% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
0.1%
-88.4% YoY-94.8% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
27.5%
-2.5% YoY+0.6% QoQ
|
-31.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.3% in tier |
| AMR |
$25,963
+32.1% YoY+0.8% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 7.3% in tier |
| CD Concentration |
40.4%
-2.0% YoY+1.1% QoQ
|
+16.2% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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)