BlastPoint's Credit Union Scorecard

EDIFI

Charter #12679 · NJ

100M-500M

1070 CUs in 100M-500M nationally 25 in NJ

EDIFI has 1 strength 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 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.68% below tier average
- Efficiency ratio 15.71% above tier (higher cost structure)
- Member decline: -3.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	25,426 -3.4% YoY-0.8% QoQ	+10.3K	15,145 -2.5% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	Top 11.6% in tier
Assets	$258.7M +3.0% YoY+2.0% QoQ	+$27.0M	$231.7M +0.8% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	65%
Loans	$132.4M +1.5% YoY-0.1% QoQ	$-11.8M	$144.1M +0.2% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	55%
Deposits	$247.8M +3.4% YoY+3.1% QoQ	+$46.6M	$201.1M +0.4% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	71%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.0% -154.6% YoY-93.2% QoQ	-0.7%	0.7% +5.1% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	Bottom 9.3% in tier
NIM	3.6% +6.2% YoY+3.7% QoQ	-0.1%	3.6% +4.6% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	93.7% -2.9% YoY+11.3% QoQ	+15.7%	78.0% -1.7% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	Bottom 8.2% in tier
Delinquency Rate	0.5% +120.8% YoY+47.6% QoQ	-0.3	0.8% +7.1% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	42%
Loan To Share	53.4% -1.8% YoY-3.1% QoQ	-17.0%	70.4% -0.4% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	16%
AMR	$14,950 +6.3% YoY+2.7% QoQ	$-10K	$24,918 +2.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	Bottom 8.5% in tier
CD Concentration	15.2% +12.0% YoY-7.1% QoQ	-9.0%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#349 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.28%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#102 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 93.73%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.38%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#246 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#229 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.38%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#283 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.38%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 1.47%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.51%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#331 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.47%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

124

Total Members

engagement

Value: 25,426

Peer Median: 13,200

#124 of 1070 Top 11.5% in 100M-500M tier

229

Fee Income Per Member

profitability

Value: $211.15

Peer Median: $154.95

#229 of 1070 Top 21.3% in 100M-500M tier

250

Share Certificate Concentration (%)

balance_sheet

Value: 15.24%

Peer Median: 23.10%

#250 of 1070 Top 23.3% in 100M-500M tier

Top Weaknesses (7 metrics)

995

Loan-to-Member Ratio (LMR)

engagement

Value: $5,206

Peer Median: $9,356

#995 of 1070 Bottom 7.1% in 100M-500M tier

983

Efficiency Ratio

profitability

Value: 93.73%

Peer Median: 78.68%

#983 of 1070 Bottom 8.2% in 100M-500M tier

979

Average Member Relationship (AMR)

engagement

Value: $14,950

Peer Median: $22,931

#979 of 1070 Bottom 8.6% in 100M-500M tier

970

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.69%

#970 of 1070 Bottom 9.4% in 100M-500M tier

904

Loan-to-Share Ratio

balance_sheet

Value: 53.42%

Peer Median: 71.88%

#904 of 1070 Bottom 15.6% in 100M-500M tier

901

Net Worth Ratio

risk

Value: 9.14%

Peer Median: 11.45%

#901 of 1070 Bottom 15.9% in 100M-500M tier

878

Member Growth Rate

growth

Value: -3.38%

Peer Median: -0.06%

#878 of 1070 Bottom 18.0% in 100M-500M tier