BlastPoint's Credit Union Scorecard

RIEGEL

Charter #13944 · NJ

100M-500M

1069 CUs in 100M-500M nationally 25 in NJ

RIEGEL faces 8 concerns requiring attention

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.44% below tier average
- Efficiency ratio 9.86% above tier (higher cost structure)
- Delinquency rate 0.79% above tier average
- Loan-to-Share Ratio: Bottom 2.1% in tier
- Total Loans: Bottom 3.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	8,173 -1.5% YoY-0.7% QoQ	-7.3K	15,437 -2.9% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	18%
Assets	$165.7M +0.0% YoY+0.6% QoQ	$-66.1M	$231.9M +1.3% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	38%
Loans	$45.4M +0.8% YoY-0.2% QoQ	$-101.9M	$147.3M -0.1% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	Bottom 3.8% in tier
Deposits	$147.7M -0.3% YoY+0.7% QoQ	$-53.1M	$200.8M +0.8% YoY	$102.3M +10.2% YoY	$477.3M +9.7% YoY	40%

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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	0.3% -10.4% QoQ	-0.4%	0.8% +18.2% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	19%
NIM	2.9% +20.7% YoY+0.9% QoQ	-0.7%	3.6% +6.7% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	16%
Efficiency Ratio	86.9% -6.4% YoY+1.4% QoQ	+9.9%	77.0% -3.1% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	83%
Delinquency Rate	1.7% -33.5% YoY-17.7% QoQ	+0.8	0.9% +4.2% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	Bottom 10.7% in tier
Loan To Share	30.7% +1.0% YoY-0.9% QoQ	-41.5%	72.2% -1.1% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	Bottom 2.0% in tier
AMR	$23,628 +1.5% YoY+1.2% QoQ	$-1K	$24,676 +3.4% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	56%
CD Concentration	13.3% -0.7% YoY-3.0% QoQ	-11.1%	24.4%	14.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#216 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: 86.87%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.31% points

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

but better than tier avg

Member Growth (YoY): -1.52%

(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

Stagnation Risk

risk

#284 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): -1.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.76%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.68%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

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

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

Membership Headwinds

decline

#410 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): -1.52%

(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

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 (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

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

185

Share Certificate Concentration (%)

balance_sheet

Value: 13.34%

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

Top Weaknesses (12 metrics)

1048

Loan-to-Share Ratio

balance_sheet

Value: 30.75%

Peer Median: -

#1048 of 1069 Bottom 2.1% in 100M-500M tier

1028

Total Loans

balance_sheet

Value: $45.41M

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

989

Fee Income Per Member

profitability

Value: $83.52

Peer Median: -

#989 of 1069 Bottom 7.6% in 100M-500M tier

971

Loan-to-Member Ratio (LMR)

engagement

Value: $5,556

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

956

Total Delinquency Rate (60+ days)

risk

Value: 1.68%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

907

Asset Growth Rate

growth

Value: 0.00%

Peer Median: -

#907 of 1069 Bottom 15.2% in 100M-500M tier

904

Members Per Employee (MPE)

engagement

Value: 240.382

Peer Median: -

#904 of 1069 Bottom 15.5% in 100M-500M tier

903

Deposit Growth Rate

growth

Value: -0.27%

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

894

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: -

#894 of 1069 Bottom 16.5% in 100M-500M tier

893

Efficiency Ratio

profitability

Value: 86.87%

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier