BlastPoint's Credit Union Scorecard

FAIRLEIGH DICKINSON UNIVERSITY

Charter #16584 · NJ

<100M

2556 CUs in <100M nationally 98 in NJ

FAIRLEIGH DICKINSON UNIVERSITY has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.20% above tier average

Key Concerns

Areas that may need attention

- ROA 0.10% below tier average
- Efficiency ratio 6.49% above tier (higher cost structure)
- Member decline: -2.5% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	1,613 -2.5% YoY-0.9% QoQ	-1.0K	2,615 -1.9% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	43%
Assets	$10.5M +2.5% YoY+0.5% QoQ	$-19.6M	$30.1M +2.1% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	33%
Loans	$6.9M +1.4% YoY+1.5% QoQ	$-8.8M	$15.8M -1.3% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	42%
Deposits	$8.9M +2.9% YoY+0.8% QoQ	$-16.8M	$25.7M +1.4% YoY	$102.3M +10.2% YoY	$477.3M +9.7% YoY	34%

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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	0.5% +66.7% YoY+0.5% QoQ	-0.1%	0.6% +10.8% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	41%
NIM	5.2% +5.8% YoY+1.1% QoQ	+1.2%	4.0% +4.0% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	Top 11.2% in tier
Efficiency Ratio	89.1% -3.6% YoY+0.1% QoQ	+6.5%	82.6% -2.3% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	0.8% -18.7% YoY+69.2% QoQ	-0.7	1.6% -3.1% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	54%
Loan To Share	77.7% -1.4% YoY+0.7% QoQ	+17.0%	60.6% -3.1% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	75%
AMR	$9,833 +4.9% YoY+2.1% QoQ	$-5K	$14,783 -1.4% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	28%
CD Concentration	11.4% +19.5% YoY+33.1% QoQ	-13.0%	24.4%	14.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

286

Net Interest Margin (NIM)

profitability

Value: 5.15%

Peer Median: -

#286 of 2556 Top 11.2% in <100M tier

Top Weaknesses (1 metrics)

2140

Members Per Employee (MPE)

engagement

Value: 201.625

Peer Median: -

#2140 of 2556 Bottom 16.3% in <100M tier