BlastPoint's Credit Union Scorecard

JERSEY SHORE

Charter #15483 · NJ

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

JERSEY SHORE demonstrates 5 strengths

National Analysis

How does the industry compare?
NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 86.5% in tier
  • + Organic Growth Leader: Top 98.8% in tier
  • + ROA 0.12% above tier average
  • + Net Interest Margin 0.10% above tier average
  • + Share Certificate Concentration (%): Top 7.2% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 16,365
+0.5% YoY-0.7% QoQ
 +927 15,437
-2.9% YoY
 7,445
+8.1% YoY
 33,374
+5.7% YoY
 64%
Assets $245.4M
+4.8% YoY+0.6% QoQ
 +$13.5M $231.9M
+1.3% YoY
 $121.0M
+10.8% YoY
 $561.6M
+9.7% YoY
 62%
Loans $128.3M
+4.5% YoY+1.1% QoQ
 $-19.1M $147.3M
-0.1% YoY
 $75.4M
+12.2% YoY
 $397.0M
+8.8% YoY
 52%
Deposits $226.7M
+2.3% YoY+0.0% QoQ
 +$25.9M $200.8M
+0.8% YoY
 $102.3M
+10.2% YoY
 $477.3M
+9.7% YoY
 66%

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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 0.9%
+26.0% YoY+12.2% QoQ
 +0.1% 0.8%
+18.2% YoY
 0.5%
+267.0% YoY
 0.7%
+15.9% YoY
 59%
NIM 3.7%
+12.2% YoY+1.9% QoQ
 +0.1% 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 3.8%
+5.1% YoY
 55%
Efficiency Ratio 76.0%
-6.5% YoY-1.9% QoQ
 -1.0% 77.0%
-3.1% YoY
 84.3%
-19.5% YoY
 79.7%
-3.3% YoY
 45%
Delinquency Rate 0.6%
-46.8% YoY+5.1% QoQ
 -0.3 0.9%
+4.2% YoY
 1.7%
-6.9% YoY
 1.3%
-2.1% YoY
 41%
Loan To Share 56.6%
+2.2% YoY+1.1% QoQ
 -15.6% 72.2%
-1.1% YoY
 53.4%
-2.5% YoY
 67.4%
-1.7% YoY
 18%
AMR $21,692
+2.6% YoY+1.1% QoQ
 $-3K $24,676
+3.4% YoY
 $16,460
+2.2% YoY
 $19,687
+2.0% YoY
 44%
CD Concentration 7.6%
-47.3% YoY-38.7% QoQ
 -16.8% 24.4% 14.4% 19.8% 50%
Indirect Auto % 9.0%
-14.0% YoY-4.2% QoQ
 -4.8% 13.8% 1.0% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#515 of 595 • Top 86.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.53%
(Tier: 0.69%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.88%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 8.97%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#421 of 426 • Top 98.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.53%
(Tier: 0.69%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 8.97%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Comparing against 1069 peers in tier

Top Strengths (1 metrics)

78
Share Certificate Concentration (%)
balance_sheet
Value: 7.61%
Peer Median: -
#78 of 1069 Top 7.2% in 100M-500M tier

Top Weaknesses (3 metrics)

879
Loan-to-Share Ratio
balance_sheet
Value: 56.58%
Peer Median: -
#879 of 1069 Bottom 17.9% in 100M-500M tier
876
Net Worth Ratio
risk
Value: 9.32%
Peer Median: -
#876 of 1069 Bottom 18.1% in 100M-500M tier
848
Members Per Employee (MPE)
engagement
Value: 255.703
Peer Median: -
#848 of 1069 Bottom 20.8% in 100M-500M tier
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