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BlastPoint's Credit Union Scorecard

EAST ORANGE VA HOSPITAL

Charter #11604 · NJ

<100M
2437 CUs in <100M nationally 97 in NJ

EAST ORANGE VA HOSPITAL faces 3 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - ROA 1.40% below tier average
  • - Share Certificate Concentration (%): Bottom 2.6% in tier
  • - Net Charge-Off Rate: Bottom 9.0% 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 +1.4% year over year ($18.0M in shares and deposits).
  • Membership: 2,186 members, +0.7% vs a year ago.
  • Delinquency rate 1.27%.
  • Return on assets 0.09%.
  • Efficiency ratio 85.51% vs a 88.77% peer average.
  • Loan-to-share ratio 43.93% 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 2,186
+0.7% YoY+0.1% QoQ
-399 2,585
-1.7% YoY
7,520
+5.0% YoY
34,678
+6.6% YoY
56%
Assets $20.5M
+1.3% YoY+0.3% QoQ
$-9.8M $30.3M
+1.5% YoY
$121.5M
+6.2% YoY
$593.1M
+10.2% YoY
48%
Loans $7.9M
-16.2% YoY-5.6% QoQ
$-7.5M $15.5M
-1.7% YoY
$76.8M
+8.6% YoY
$418.6M
+10.1% YoY
46%
Deposits $18.0M
+1.4% YoY+0.3% QoQ
$-7.8M $25.8M
+1.1% YoY
$104.3M
+6.9% YoY
$504.8M
+10.3% YoY
49%

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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 0.1%
-80.3% YoY
-1.4% 1.5%
+241.5% YoY
0.9%
+81.6% YoY
1.2%
+121.4% YoY
Bottom 5.6% in tier
NIM 3.4%
+8.3% YoY+8.3% QoQ
-0.5% 3.9%
+0.9% YoY
3.9%
+3.8% YoY
3.8%
+2.3% YoY
32%
Efficiency Ratio 85.5%
-1.0% YoY+0.5% QoQ
-3.3% 88.8%
-6.9% YoY
85.3%
-2.0% YoY
83.0%
-5.3% YoY
62%
Delinquency Rate 1.3%
+59.8% YoY-16.8% QoQ
-0.3 1.5%
+2.1% YoY
2.2%
+22.2% YoY
1.3%
+2.6% YoY
68%
Loan To Share 43.9%
-17.4% YoY-5.8% QoQ
-15.0% 58.9%
-3.1% YoY
52.7%
+0.2% YoY
66.4%
-1.4% YoY
27%
AMR $11,874
-5.4% YoY-1.7% QoQ
$-3K $14,963
-6.8% YoY
$16,658
-5.0% YoY
$20,028
-0.9% YoY
38%
CD Concentration 54.1%
+1.1% YoY+3.6% QoQ
+29.6% 24.6% 14.8% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 1.1% 7.7% 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)

Comparing against 2437 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2437 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.59%
#1 of 2437 Top 0.1% in <100M tier
258
Members Per Employee (MPE)
engagement
Value: 546.500
Peer Median: 328.333
#258 of 2437 Top 10.5% in <100M tier
609
Member Growth Rate
growth
Value: 0.69%
Peer Median: -1.37%
#609 of 2437 Top 24.9% in <100M tier

Top Weaknesses (6 metrics)

2375
Share Certificate Concentration (%)
balance_sheet
Value: 54.14%
Peer Median: 12.77%
#2375 of 2437 Bottom 2.6% in <100M tier
2300
Return on Assets (ROA)
profitability
Value: 0.09%
Peer Median: 0.81%
#2300 of 2437 Bottom 5.7% in <100M tier
2218
Net Charge-Off Rate
risk
Value: 1.42%
Peer Median: 0.18%
#2218 of 2437 Bottom 9.0% in <100M tier
2181
Loan Growth Rate
growth
Value: -16.24%
Peer Median: -2.63%
#2181 of 2437 Bottom 10.5% in <100M tier
2036
AMR Growth Rate
growth
Value: -5.40%
Peer Median: 1.04%
#2036 of 2437 Bottom 16.5% in <100M tier
1998
Fee Income Per Member
profitability
Value: $9.51
Peer Median: $63.89
#1998 of 2437 Bottom 18.1% in <100M tier
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