BlastPoint's Credit Union Scorecard
UNITED POLES
Charter #16577 · NJ
UNITED POLES has 8 strengths but faces 4 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 2.1% in tier
- + Loan Growth Rate: Top 6.3% in tier
- + Member Growth Rate: Top 7.8% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
- + Total Deposits: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 3.20% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.5% in tier
- - First Mortgage Concentration (%): 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 |
2,154
+3.9% YoY-0.4% QoQ
|
-461 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$70.4M
+7.1% YoY+0.8% QoQ
|
+$40.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 12.4% in tier |
| Loans |
$59.9M
+14.4% YoY+3.8% QoQ
|
+$44.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 2.2% in tier |
| Deposits |
$64.6M
+6.8% YoY+1.6% QoQ
|
+$39.0M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 9.6% in tier |
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| ROA |
0.4%
-184.9% YoY-7.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.3%
+21.7% YoY+2.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
85.8%
-19.5% YoY-0.1% QoQ
|
+3.2% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.2%
+119.0% YoY-46.1% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
92.6%
+7.1% YoY+2.2% QoQ
|
+32.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 8.1% in tier |
| AMR |
$57,809
+6.2% YoY+3.1% QoQ
|
+$43K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 0.4% in tier |
| CD Concentration |
35.9%
+10.6% YoY+0.2% QoQ
|
+11.5% | 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)