BlastPoint's Credit Union Scorecard

FORT BILLINGS

Charter #1167 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

FORT BILLINGS has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Average Member Relationship (AMR): Top 7.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.21% below tier average
- Efficiency ratio 6.68% above tier (higher cost structure)
- Member decline: -2.7% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	3,450 -2.7% YoY-0.9% QoQ	+773	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	74%
Assets	$64.6M +1.1% YoY+0.7% QoQ	+$34.4M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	Top 14.8% in tier
Loans	$31.5M -3.2% YoY-2.8% QoQ	+$16.2M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	84%
Deposits	$58.6M +0.4% YoY+0.8% QoQ	+$32.8M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	Top 12.8% in tier

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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% -11.0% YoY-198.7% QoQ	-0.2%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	20%
NIM	3.5% +10.8% YoY+4.1% QoQ	-0.5%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	97.3% -4.0% YoY-0.6% QoQ	+6.7%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.8% -22.2% YoY-48.1% QoQ	-0.7	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	59%
Loan To Share	53.8% -3.5% YoY-3.5% QoQ	-4.7%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	43%
AMR	$26,108 +1.9% YoY+0.5% QoQ	+$11K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	Top 7.0% in tier
CD Concentration	9.1% +21.3% YoY+3.8% QoQ	-15.2%	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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

176

Average Member Relationship (AMR)

engagement

Value: $26,108

Peer Median: $13,926

#176 of 2508 Top 7.0% in <100M tier

275

Loan-to-Member Ratio (LMR)

engagement

Value: $9,130

Peer Median: $4,923

#275 of 2508 Top 10.9% in <100M tier

320

Total Deposits

balance_sheet

Value: $58.57M

Peer Median: $18.77M

#320 of 2508 Top 12.7% in <100M tier

372

Total Assets

balance_sheet

Value: $64.61M

Peer Median: $21.86M

#372 of 2508 Top 14.8% in <100M tier

394

Total Loans

balance_sheet

Value: $31.50M

Peer Median: $9.48M

#394 of 2508 Top 15.7% in <100M tier

450

Fee Income Per Member

profitability

Value: $127.46

Peer Median: $60.42

#450 of 2508 Top 17.9% in <100M tier

Top Weaknesses (5 metrics)

2231

Members Per Employee (MPE)

engagement

Value: 164.286

Peer Median: 333.750

#2231 of 2508 Bottom 11.1% in <100M tier

2207

Net Worth Ratio

risk

Value: 9.26%

Peer Median: 14.28%

#2207 of 2508 Bottom 12.0% in <100M tier

2045

Efficiency Ratio

profitability

Value: 97.32%

Peer Median: 81.45%

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

2013

Return on Assets (ROA)

profitability

Value: -0.06%

Peer Median: 0.61%

#2013 of 2508 Bottom 19.8% in <100M tier

1944

First Mortgage Concentration (%)

balance_sheet

Value: 27.92%

Peer Median: 3.66%

#1944 of 2508 Bottom 22.5% in <100M tier