BlastPoint's Credit Union Scorecard
FORT DIX
Charter #15513 · NJ
FORT DIX has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 8.34% above tier (higher cost structure)
- - Delinquency rate 3.41% above tier average
- - Net Charge-Off Rate: Bottom 5.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
- - Loan-to-Share Ratio: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
541
-1.6% YoY-2.9% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.7% in tier |
| Assets |
$7.3M
+7.1% YoY+0.4% QoQ
|
$-22.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$1.7M
-8.0% YoY-4.8% QoQ
|
$-14.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$6.5M
+7.6% YoY+0.4% QoQ
|
$-19.2M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.4%
+46.0% YoY-12.4% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.8%
+2.4% YoY-2.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
90.9%
-3.0% YoY+1.2% QoQ
|
+8.3% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
5.0%
+296.0% YoY+116.3% QoQ
|
+3.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 6.3% in tier |
| Loan To Share |
25.8%
-14.5% YoY-5.2% QoQ
|
-34.8% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.0% in tier |
| AMR |
$15,075
+5.7% YoY+2.3% QoQ
|
+$292 |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)