BlastPoint's Credit Union Scorecard
1166
Charter #1166 · NJ
2596 CUs in <100M nationally
101 in NJ
1166 has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 91.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 20.09% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 2.4% in tier
- - Deposit Growth Rate: Bottom 2.9% in tier
- - Net Worth Ratio: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,308
+91.7% YoY+88.1% QoQ
|
-317 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$17.7M
-13.6% YoY-1.6% QoQ
|
$-12.2M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$8.3M
+5.2% YoY+5.6% QoQ
|
$-7.5M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$16.2M
-15.2% YoY-1.3% QoQ
|
$-9.2M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
47% |
| ROA |
-0.1%
-95.6% YoY-166.5% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.6% in tier |
| NIM |
3.6%
+51.0% YoY+3.3% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
101.5%
-20.5% YoY+3.9% QoQ
|
+20.1% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
0.2%
-44.5% YoY-22.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
51.0%
+24.1% YoY+7.0% QoQ
|
-10.2% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$10,634
-52.7% YoY-46.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
4.0%
-79.9% YoY-13.9% QoQ
|
-20.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
7
Member Growth Rate
growth
Value:
91.69%
Peer Avg: 14.92%
#7 of 2596
Top 0.2% in <100M tier
520
Loan Growth Rate
growth
Value:
5.22%
Peer Avg: 59.01%
#520 of 2596
Top 20.0% in <100M tier
Top Weaknesses (6 metrics)
2576
AMR Growth Rate
growth
Value:
-52.68%
Peer Avg: 4.67%
#2576 of 2596
Bottom 0.8% in <100M tier
2535
Asset Growth Rate
growth
Value:
-13.65%
Peer Avg: 1.82%
#2535 of 2596
Bottom 2.4% in <100M tier
2523
Deposit Growth Rate
growth
Value:
-15.25%
Peer Avg: 16.80%
#2523 of 2596
Bottom 2.9% in <100M tier
2403
Net Worth Ratio
risk
Value:
8.69%
Peer Avg: 16.43%
#2403 of 2596
Bottom 7.5% in <100M tier
2339
Efficiency Ratio
profitability
Value:
101.49%
Peer Avg: 81.39%
#2339 of 2596
Bottom 9.9% in <100M tier
2217
Return on Assets (ROA)
profitability
Value:
-0.07%
Peer Avg: 0.68%
#2217 of 2596
Bottom 14.6% in <100M tier