BlastPoint's Credit Union Scorecard
UNITED POLES
Charter #16577 · NJ
2596 CUs in <100M nationally
101 in NJ
UNITED POLES has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.2% in tier
- + Average Member Relationship (AMR): Top 0.3% in tier
- + Total Loans: Top 2.5% in tier
- + Loan Growth Rate: Top 6.4% in tier
- + Member Growth Rate: Top 6.9% in tier
- + Fee Income Per Member: Top 9.2% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency ratio 4.48% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
- - Net Worth Ratio: Bottom 1.6% in tier
- - First Mortgage Concentration (%): Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,163
+4.8% YoY+1.2% QoQ
|
-462 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$69.8M
+7.6% YoY+0.9% QoQ
|
+$40.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 12.3% in tier |
| Loans |
$57.7M
+14.4% YoY+1.4% QoQ
|
+$41.9M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Top 2.5% in tier |
| Deposits |
$63.6M
+7.0% YoY+1.5% QoQ
|
+$38.2M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 9.9% in tier |
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| ROA |
0.4%
-178.0% YoY+0.3% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
3.2%
+20.3% YoY+1.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
85.9%
-21.2% YoY+0.1% QoQ
|
+4.5% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
2.2%
+266.4% YoY+165.4% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
90.6%
+6.8% YoY-0.1% QoQ
|
+29.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 10.4% in tier |
| AMR |
$56,075
+5.3% YoY+0.3% QoQ
|
+$41K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Top 0.3% in tier |
| CD Concentration |
35.8%
+11.2% YoY+4.6% QoQ
|
+11.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
7
Loan-to-Member Ratio (LMR)
engagement
Value:
$26,659
Peer Avg: -
#7 of 2596
Top 0.2% in <100M tier
9
Average Member Relationship (AMR)
engagement
Value:
$56,075
Peer Avg: -
#9 of 2596
Top 0.3% in <100M tier
65
Total Loans
balance_sheet
Value:
$57.66M
Peer Avg: -
#65 of 2596
Top 2.5% in <100M tier
168
Loan Growth Rate
growth
Value:
14.36%
Peer Avg: -
#168 of 2596
Top 6.4% in <100M tier
181
Member Growth Rate
growth
Value:
4.80%
Peer Avg: -
#181 of 2596
Top 6.9% in <100M tier
241
Fee Income Per Member
profitability
Value:
$174.77
Peer Avg: -
#241 of 2596
Top 9.2% in <100M tier
257
Total Deposits
balance_sheet
Value:
$63.63M
Peer Avg: -
#257 of 2596
Top 9.9% in <100M tier
266
Loan-to-Share Ratio
balance_sheet
Value:
90.63%
Peer Avg: -
#266 of 2596
Top 10.2% in <100M tier
319
Total Assets
balance_sheet
Value:
$69.83M
Peer Avg: -
#319 of 2596
Top 12.2% in <100M tier
Top Weaknesses (6 metrics)
2556
Net Worth Ratio
risk
Value:
6.91%
Peer Avg: -
#2556 of 2596
Bottom 1.6% in <100M tier
2487
First Mortgage Concentration (%)
balance_sheet
Value:
58.78%
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2320
Share Certificate Concentration (%)
balance_sheet
Value:
35.84%
Peer Avg: -
#2320 of 2596
Bottom 10.7% in <100M tier
2134
Total Delinquency Rate (60+ days)
risk
Value:
2.19%
Peer Avg: -
#2134 of 2596
Bottom 17.8% in <100M tier
1979
Members Per Employee (MPE)
engagement
Value:
240.333
Peer Avg: -
#1979 of 2596
Bottom 23.8% in <100M tier
1975
Net Interest Margin (NIM)
profitability
Value:
3.20%
Peer Avg: -
#1975 of 2596
Bottom 24.0% in <100M tier