BlastPoint's Credit Union Scorecard

MERCK EMPLOYEES

Charter #1454 · NJ

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 1 in NJ

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MERCK EMPLOYEES has 6 strengths but faces 16 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 36.2% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 1.0% in tier
+ Share Certificate Concentration (%): Top 2.3% in tier
+ Total Delinquency Rate (60+ days): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 4.3% in tier
- Shrinking Wallet Share: Bottom 10.2% in tier
- Deposit Outflow: Bottom 17.4% in tier
- Efficiency Drag: Bottom 21.6% in tier
- ROA 0.61% below tier average
- Efficiency ratio 6.50% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 0.3% in tier
- Loan-to-Share Ratio: Bottom 0.3% in tier
- Total Loans: Bottom 0.3% in tier
- Total Members: Bottom 0.7% in tier
- First Mortgage Concentration (%): Bottom 1.0% in tier
- Fee Income Per Member: Bottom 1.3% in tier
- Deposit Growth Rate: Bottom 3.3% in tier
- AMR Growth Rate: Bottom 8.2% in tier
- Asset Growth Rate: Bottom 9.2% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	24,317 -0.1% YoY+0.9% QoQ	-74.4K	98,678 -1.9% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	Bottom 0.3% in tier
Assets	$1.8B -2.9% YoY-1.3% QoQ	+$88.7M	$1.7B +0.5% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	62%
Loans	$214.9M +1.0% YoY+2.3% QoQ	$-1.0B	$1.2B +0.5% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	Bottom 0.0% in tier
Deposits	$1.2B -5.2% YoY-2.4% QoQ	$-218.4M	$1.5B +1.3% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	45%

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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	0.1% -122.1% YoY+64387.5% QoQ	-0.6%	0.7% +13.4% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	Bottom 5.3% in tier
NIM	0.5% -359.0% YoY+22.9% QoQ	-2.8%	3.3% +9.3% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	Bottom 0.0% in tier
Efficiency Ratio	80.5% -96.0% YoY-17.4% QoQ	+6.5%	74.0% -10.9% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	75%
Delinquency Rate	0.3% -69.3% YoY-53.2% QoQ	-0.6	0.8% +6.1% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	Bottom 8.2% in tier
Loan To Share	17.4% +6.6% YoY+4.8% QoQ	-67.8%	85.2% -0.8% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	Bottom 0.0% in tier
AMR	$59,662 -4.2% YoY-2.6% QoQ	+$30K	$29,172 +2.8% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	Top 1.3% in tier
CD Concentration	11.1% +43.3% YoY+12.1% QoQ	-17.9%	29.0% +0.7% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	Bottom 2.4% in tier
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#35 of 95 • Top 36.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.26%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.59% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (4)

Wealth Migration Risk

decline

#3 of 10 • Bottom 4.3% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $59.7K

(Tier: $29.2K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -4.24%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

10 of 380 Mid-Market CUs have this signature | 39 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#32 of 83 • Bottom 10.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.24%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank worsening

Deposit Outflow

decline

#5 of 24 • Bottom 17.4% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -5.25%

(Tier: 6.24%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.14%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 109 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Efficiency Drag

risk

#72 of 96 • Bottom 21.6% in tier

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

Why This Signature

Efficiency Ratio: 80.47%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.50% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -0.14%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 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 304 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 1279.842

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $59,662

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 11.11%

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.17%

Peer Avg: -

#32 of 304 Top 10.2% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.93%

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Top Weaknesses (12 metrics)

304

Net Interest Margin (NIM)

profitability

Value: 0.49%

Peer Avg: -

#304 of 304 Bottom 0.3% in 1B-3B tier

304

Loan-to-Share Ratio

balance_sheet

Value: 17.39%

Peer Avg: -

#304 of 304 Bottom 0.3% in 1B-3B tier

304

Total Loans

balance_sheet

Value: $214.89M

Peer Avg: -

#304 of 304 Bottom 0.3% in 1B-3B tier

303

Total Members

engagement

Value: 24,317

Peer Avg: -

#303 of 304 Bottom 0.7% in 1B-3B tier

302

First Mortgage Concentration (%)

balance_sheet

Value: 79.02%

Peer Avg: -

#302 of 304 Bottom 1.0% in 1B-3B tier

301

Fee Income Per Member

profitability

Value: $51.45

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

295

Deposit Growth Rate

growth

Value: -5.25%

Peer Avg: -

#295 of 304 Bottom 3.3% in 1B-3B tier

288

Return on Assets (ROA)

profitability

Value: 0.09%

Peer Avg: -

#288 of 304 Bottom 5.6% in 1B-3B tier

280

AMR Growth Rate

growth

Value: -4.24%

Peer Avg: -

#280 of 304 Bottom 8.2% in 1B-3B tier

277

Asset Growth Rate

growth

Value: -2.93%

Peer Avg: -

#277 of 304 Bottom 9.2% in 1B-3B tier