BlastPoint's Credit Union Scorecard

EDIFI

Charter #12679 · NJ

100M-500M

1069 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

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.08% below tier average
- Efficiency ratio 7.16% above tier (higher cost structure)
- Member decline: -3.7% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	25,621 -3.7% YoY-1.3% QoQ	+10.2K	15,437 -2.9% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	Top 11.9% in tier
Assets	$253.7M +2.5% YoY+0.3% QoQ	+$21.8M	$231.9M +1.3% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	64%
Loans	$132.5M +2.4% YoY-1.2% QoQ	$-14.8M	$147.3M -0.1% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	54%
Deposits	$240.4M +4.0% YoY+0.1% QoQ	+$39.5M	$200.8M +0.8% YoY	$102.3M +10.2% YoY	$477.3M +9.7% 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% -124.9% YoY-2.7% QoQ	-0.1%	0.8% +18.2% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	43%
NIM	3.4% +6.3% YoY+0.2% QoQ	-0.2%	3.6% +6.7% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	40%
Efficiency Ratio	84.2% -14.9% YoY+2.0% QoQ	+7.2%	77.0% -3.1% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	0.3% +39.8% YoY-19.1% QoQ	-0.5	0.9% +4.2% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	20%
Loan To Share	55.1% -1.5% YoY-1.2% QoQ	-17.1%	72.2% -1.1% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	16%
AMR	$14,554 +7.4% YoY+1.0% QoQ	$-10K	$24,676 +3.4% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	Bottom 7.9% in tier
CD Concentration	16.4% +31.4% YoY-2.3% QoQ	-8.0%	24.4%	14.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#285 of 513 • 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): 7.43%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Membership Headwinds

decline

#210 of 554 • 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): -3.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#352 of 554 • 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): -3.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.45%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.35%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#518 of 705 • 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): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#408 of 456 • 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): 2.45%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Efficiency Drag

risk

#493 of 538 • 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: 84.18%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 3.42% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -3.68%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

127

Total Members

engagement

Value: 25,621

Peer Median: -

#127 of 1069 Top 11.8% in 100M-500M tier

214

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

220

Fee Income Per Member

profitability

Value: $227.01

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

225

AMR Growth Rate

growth

Value: 7.43%

Peer Median: -

#225 of 1069 Top 21.0% in 100M-500M tier

Top Weaknesses (6 metrics)

998

Loan-to-Member Ratio (LMR)

engagement

Value: $5,173

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

985

Average Member Relationship (AMR)

engagement

Value: $14,554

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

901

Loan-to-Share Ratio

balance_sheet

Value: 55.14%

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

895

Member Growth Rate

growth

Value: -3.68%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

879

Net Worth Ratio

risk

Value: 9.31%

Peer Median: -

#879 of 1069 Bottom 17.9% in 100M-500M tier

806

Efficiency Ratio

profitability

Value: 84.18%

Peer Median: -

#806 of 1069 Bottom 24.7% in 100M-500M tier