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 1.4% in tier
- + Average Member Relationship (AMR): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 24.15% above tier (higher cost structure)
- - Member decline: -29.6% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Net Worth Ratio: Bottom 2.7% in tier
- - Net Interest Margin (NIM): Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 6.2% in tier
- - Loan-to-Share Ratio: Bottom 8.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -5.4% year over year ($23.9M in shares and deposits).
- Membership: 1,161 members, -29.6% vs a year ago.
- Delinquency rate 0.74%.
- Return on assets 0.35%.
- Efficiency ratio 112.91% vs a 88.77% peer average.
- Loan-to-share ratio 26.14% vs a 58.89% 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 |
1,161
-29.6% YoY-2.1% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$25.0M
-4.7% YoY-1.0% QoQ
|
$-5.3M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$6.3M
-14.6% YoY-5.8% QoQ
|
$-9.2M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$23.9M
-5.4% YoY-0.9% QoQ
|
$-1.9M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.4%
+148.5% YoY-173.7% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
2.1%
+3.9% YoY+0.3% QoQ
|
-1.8% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
112.9%
+16.2% YoY-2.0% QoQ
|
+24.1% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
0.7%
-48.3% YoY+689.9% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
26.1%
-9.8% YoY-4.9% QoQ
|
-32.8% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.9% in tier |
| AMR |
$25,993
+31.4% YoY+0.1% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Top 7.5% in tier |
| CD Concentration |
42.8%
+8.6% YoY+6.0% QoQ
|
+18.3% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)