BlastPoint's Credit Union Scorecard
FIRST POINT
Charter #10319 · NJ
2556 CUs in <100M nationally
98 in NJ
FIRST POINT has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.3% in tier
- + Net Charge-Off Rate: Top 2.7% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 16.47% above tier (higher cost structure)
- - Delinquency rate 0.25% above tier average
- - Member decline: -28.8% YoY
- - Member Growth Rate: Bottom 1.3% in tier
- - Net Worth Ratio: Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 4.4% in tier
- - Share Certificate Concentration (%): Bottom 7.4% in tier
- - Loan-to-Share Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,208
-28.8% YoY-26.0% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$25.6M
-4.6% YoY-1.3% QoQ
|
$-4.6M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$6.7M
-12.0% YoY-2.9% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$24.4M
-6.4% YoY-1.9% QoQ
|
$-1.2M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.1%
-112.5% YoY-44.3% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
2.1%
+12.1% YoY+1.1% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.3% in tier |
| Efficiency Ratio |
99.0%
-11.5% YoY+1.6% QoQ
|
+16.5% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
1.8%
+116.3% YoY+29.3% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
27.3%
-6.0% YoY-1.0% QoQ
|
-33.3% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.1% in tier |
| AMR |
$25,767
+29.7% YoY+32.4% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 7.3% in tier |
| CD Concentration |
40.0%
-1.7% YoY+2.1% QoQ
|
+15.6% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
34
AMR Growth Rate
growth
Value:
29.73%
Peer Median: -
#34 of 2556
Top 1.3% in <100M tier
69
Net Charge-Off Rate
risk
Value:
-0.17%
Peer Median: -
#69 of 2556
Top 2.7% in <100M tier
186
Average Member Relationship (AMR)
engagement
Value:
$25,767
Peer Median: -
#186 of 2556
Top 7.2% in <100M tier
Top Weaknesses (12 metrics)
2525
Member Growth Rate
growth
Value:
-28.82%
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2490
Net Worth Ratio
risk
Value:
7.36%
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2445
Net Interest Margin (NIM)
profitability
Value:
2.09%
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier
2367
Share Certificate Concentration (%)
balance_sheet
Value:
39.99%
Peer Median: -
#2367 of 2556
Bottom 7.4% in <100M tier
2347
Loan-to-Share Ratio
balance_sheet
Value:
27.32%
Peer Median: -
#2347 of 2556
Bottom 8.2% in <100M tier
2247
Efficiency Ratio
profitability
Value:
99.03%
Peer Median: -
#2247 of 2556
Bottom 12.1% in <100M tier
2208
Deposit Growth Rate
growth
Value:
-6.40%
Peer Median: -
#2208 of 2556
Bottom 13.7% in <100M tier
2170
Asset Growth Rate
growth
Value:
-4.55%
Peer Median: -
#2170 of 2556
Bottom 15.1% in <100M tier
2152
Loan Growth Rate
growth
Value:
-11.98%
Peer Median: -
#2152 of 2556
Bottom 15.8% in <100M tier
2072
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Median: -
#2072 of 2556
Bottom 19.0% in <100M tier