BlastPoint's Credit Union Scorecard
COUNTY EXCELLENCE
Charter #120 · NJ
COUNTY EXCELLENCE has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.39% above tier average
- + Loan Growth Rate: Top 1.0% in tier
- + AMR Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 0.46% above tier average
- - Net Worth Ratio: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,701
+0.1% YoY-0.6% QoQ
|
-6.4K |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$134.0M
+6.8% YoY+3.8% QoQ
|
$-97.7M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$71.5M
+32.3% YoY+3.0% QoQ
|
$-72.6M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$122.8M
+6.7% YoY+3.8% QoQ
|
$-78.3M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
0.8%
+70.2% YoY+61.5% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
4.0%
+9.5% YoY+1.1% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
75.2%
-15.2% YoY-12.2% QoQ
|
-2.8% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
1.2%
+33.0% YoY-7.5% QoQ
|
+0.5 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
58.2%
+24.0% YoY-0.8% QoQ
|
-12.2% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$22,337
+14.7% YoY+4.2% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
22.7%
+32.9% YoY+6.1% QoQ
|
-1.5% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % |
12.9%
+89.7% YoY-0.0% QoQ
|
-0.9% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)