BlastPoint's Credit Union Scorecard

EAST ORANGE VA HOSPITAL

Charter #11604 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

EAST ORANGE VA HOSPITAL faces 2 concerns requiring attention

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.15% below tier average
- Share Certificate Concentration (%): Bottom 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	2,183 +0.9% YoY+0.4% QoQ	-493	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	56%
Assets	$20.4M -2.8% YoY+2.1% QoQ	$-9.8M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	48%
Loans	$8.4M -13.5% YoY-5.7% QoQ	$-6.9M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	47%
Deposits	$18.0M -3.3% YoY+2.4% QoQ	$-7.8M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% 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	-0.0% -101.3% YoY-101.0% QoQ	-0.1%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	21%
NIM	3.2% +11.9% YoY-6.7% QoQ	-0.8%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	85.1% -6.4% YoY-0.4% QoQ	-5.5%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	1.5% +154.7% YoY-29.8% QoQ	+0.0	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	75%
Loan To Share	46.6% -10.5% YoY-7.9% QoQ	-11.9%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	31%
AMR	$12,083 -7.6% YoY-0.7% QoQ	$-3K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	39%
CD Concentration	52.2% -2.8% YoY-3.3% QoQ	+28.0%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

269

Members Per Employee (MPE)

engagement

Value: 545.750

Peer Median: 333.750

#269 of 2508 Top 10.7% in <100M tier

614

Member Growth Rate

growth

Value: 0.88%

Peer Median: -1.37%

#614 of 2508 Top 24.4% in <100M tier

Top Weaknesses (7 metrics)

2435

Share Certificate Concentration (%)

balance_sheet

Value: 52.24%

Peer Median: 12.45%

#2435 of 2508 Bottom 3.0% in <100M tier

2238

AMR Growth Rate

growth

Value: -7.62%

Peer Median: 1.27%

#2238 of 2508 Bottom 10.8% in <100M tier

2159

Loan Growth Rate

growth

Value: -13.46%

Peer Median: -2.36%

#2159 of 2508 Bottom 14.0% in <100M tier

2045

Fee Income Per Member

profitability

Value: $8.86

Peer Median: $60.42

#2045 of 2508 Bottom 18.5% in <100M tier

1982

Return on Assets (ROA)

profitability

Value: -0.00%

Peer Median: 0.61%

#1982 of 2508 Bottom 21.0% in <100M tier

1923

Net Interest Margin (NIM)

profitability

Value: 3.17%

Peer Median: 3.83%

#1923 of 2508 Bottom 23.4% in <100M tier

1915

Asset Growth Rate

growth

Value: -2.77%

Peer Median: 1.30%

#1915 of 2508 Bottom 23.7% in <100M tier