BlastPoint's Credit Union Scorecard
COUNTY EXCELLENCE
Charter #120 · NJ
COUNTY EXCELLENCE has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 9.6% in tier
- + Organic Growth Engine: Top 97.0% in tier
- + Organic Growth Leader: Top 100.0% in tier
- + Net Interest Margin 0.37% above tier average
- + Loan Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.2% in tier
- - Efficiency Drag: Bottom 33.5% in tier
- - Credit Quality Pressure: Bottom 46.7% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 8.68% above tier (higher cost structure)
- - Delinquency rate 0.44% above tier average
- - Net Worth Ratio: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,755
+0.5% YoY-0.7% QoQ
|
-6.7K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$129.1M
+5.9% YoY+4.5% QoQ
|
$-102.7M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$69.4M
+37.2% YoY+3.9% QoQ
|
$-77.9M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$118.3M
+5.8% YoY+4.6% QoQ
|
$-82.5M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.5%
+131.2% YoY-4.6% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
4.0%
+13.7% YoY+1.4% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
85.7%
-2.2% YoY-0.3% QoQ
|
+8.7% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.3%
+20.4% YoY+6.2% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
58.7%
+29.6% YoY-0.7% QoQ
|
-13.6% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$21,442
+15.0% YoY+5.1% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
21.4%
+35.5% YoY+9.3% QoQ
|
-3.0% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
12.9%
+169.1% YoY+12.3% QoQ
|
-0.9% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)