BlastPoint's Credit Union Scorecard
TERMINALS
Charter #17969 ยท NJ
2596 CUs in <100M nationally
101 in NJ
TERMINALS has 12 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.75% above tier average
- + Net Interest Margin 2.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Charge-Off Rate: Top 1.1% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Loan Growth Rate: Top 4.6% in tier
- + AMR Growth Rate: Top 6.2% in tier
- + Efficiency Ratio: Top 7.5% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.95% above tier average
- - Total Members: Bottom 0.8% in tier
- - Total Deposits: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Total Assets: Bottom 5.1% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75
0% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.7% in tier |
| Assets |
$921,146
+6.0% YoY+1.6% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.1% in tier |
| Loans |
$764,291
+16.9% YoY+10.8% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.7% in tier |
| Deposits |
$568,950
+7.4% YoY+1.6% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.6% in tier |
| ROA |
2.4%
+15.9% YoY-3.6% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 4.2% in tier |
| NIM |
6.4%
-0.5% YoY+2.3% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
52.6%
-7.8% YoY-3.5% QoQ
|
-28.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate |
2.5%
-47.1% YoY-14.5% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
134.3%
+8.8% YoY+9.0% QoQ
|
+73.1% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 0.5% in tier |
| AMR |
$17,777
+12.7% YoY+6.7% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% 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 (14 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
9
Loan-to-Share Ratio
balance_sheet
Value:
134.33%
Peer Avg: 61.23%
#9 of 2596
Top 0.3% in <100M tier
29
Net Charge-Off Rate
risk
Value:
-0.52%
Peer Avg: 0.57%
#29 of 2596
Top 1.1% in <100M tier
68
Net Interest Margin (NIM)
profitability
Value:
6.44%
Peer Avg: 3.93%
#68 of 2596
Top 2.6% in <100M tier
71
Net Worth Ratio
risk
Value:
38.06%
Peer Avg: 16.43%
#71 of 2596
Top 2.7% in <100M tier
108
Return on Assets (ROA)
profitability
Value:
2.43%
Peer Avg: 0.68%
#108 of 2596
Top 4.1% in <100M tier
121
Loan Growth Rate
growth
Value:
16.91%
Peer Avg: 59.01%
#121 of 2596
Top 4.6% in <100M tier
162
AMR Growth Rate
growth
Value:
12.66%
Peer Avg: 4.67%
#162 of 2596
Top 6.2% in <100M tier
Top Weaknesses (6 metrics)
2575
Total Members
engagement
Value:
75
Peer Avg: 2,626
#2575 of 2596
Bottom 0.8% in <100M tier
2476
Total Deposits
balance_sheet
Value:
$568,950
Peer Avg: $25.45M
#2476 of 2596
Bottom 4.7% in <100M tier
2474
Members Per Employee (MPE)
engagement
Value:
75.000
Peer Avg: 365.701
#2474 of 2596
Bottom 4.7% in <100M tier
2464
Total Assets
balance_sheet
Value:
$921,146
Peer Avg: $29.86M
#2464 of 2596
Bottom 5.1% in <100M tier
2344
Total Loans
balance_sheet
Value:
$764,291
Peer Avg: $15.77M
#2344 of 2596
Bottom 9.7% in <100M tier
2194
Total Delinquency Rate (60+ days)
risk
Value:
2.46%
Peer Avg: 1.51%
#2194 of 2596
Bottom 15.5% in <100M tier