BlastPoint's Credit Union Scorecard

EDIFI

Charter #12679 · NJ

1077 CUs in 100M-500M nationally 25 in NJ

EDIFI has 3 strengths but faces 8 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

+ Wallet Share Momentum: Top 20.8% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ AMR Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 10.6% in tier
- Stagnation Risk: Bottom 17.7% in tier
- Efficiency Drag: Bottom 28.1% in tier
- ROA 0.09% below tier average
- Efficiency ratio 5.24% above tier (higher cost structure)
- Member decline: -3.9% YoY
- Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- Average Member Relationship (AMR): Bottom 7.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	25,965 -3.9% YoY-0.1% QoQ	+10.3K	15,628 -3.4% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	Top 11.1% in tier
Assets	$252.8M +5.4% YoY-1.2% QoQ	+$21.5M	$231.3M -0.0% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	65%
Loans	$134.1M +3.1% YoY+2.1% QoQ	$-13.7M	$147.8M -1.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	55%
Deposits	$240.2M +8.3% YoY-1.5% QoQ	+$39.9M	$200.3M -0.0% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	69%

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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	0.7% -542.4% YoY+445.1% QoQ	-0.1%	0.8% +15.5% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	46%
NIM	3.4% +9.3% YoY+1.1% QoQ	-0.1%	3.6% +6.9% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	41%
Efficiency Ratio	82.5% -16.6% YoY-10.8% QoQ	+5.2%	77.3% -3.0% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	69%
Delinquency Rate	0.4% -15.7% YoY-22.5% QoQ	-0.4	0.9% +7.6% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	31%
Loan To Share	55.8% -4.9% YoY+3.6% QoQ	-16.9%	72.7% -1.5% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	16%
AMR	$14,415 +10.7% YoY-0.2% QoQ	$-10K	$24,363 +2.9% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	Bottom 7.7% in tier
CD Concentration	16.8% +37.5% YoY+18.0% QoQ	-7.6%	24.4% +4.2% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#101 of 481 • Top 20.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.67%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#175 of 550 • Bottom 10.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#292 of 550 • Bottom 17.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.06%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.43%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#497 of 521 • Bottom 28.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.52%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.86% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -3.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.67%

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

120

Total Members

engagement

Value: 25,965

Peer Avg: -

#120 of 1077 Top 11.0% in 100M-500M tier

198

Deposit Growth Rate

growth

Value: 8.34%

Peer Avg: -

#198 of 1077 Top 18.3% in 100M-500M tier

250

Fee Income Per Member

profitability

Value: $218.20

Peer Avg: -

#250 of 1077 Top 23.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1005

Loan-to-Member Ratio (LMR)

engagement

Value: $5,164

Peer Avg: -

#1005 of 1077 Bottom 6.8% in 100M-500M tier

994

Average Member Relationship (AMR)

engagement

Value: $14,415

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

928

Member Growth Rate

growth

Value: -3.87%

Peer Avg: -

#928 of 1077 Bottom 13.9% in 100M-500M tier

908

Net Worth Ratio

risk

Value: 9.19%

Peer Avg: -

#908 of 1077 Bottom 15.8% in 100M-500M tier

903

Loan-to-Share Ratio

balance_sheet

Value: 55.82%

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier