BlastPoint's Credit Union Scorecard
TERMINALS
Charter #17969 · NJ
2556 CUs in <100M nationally
98 in NJ
TERMINALS has 12 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.80% above tier average
- + Net Interest Margin 2.57% 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 0.0% in tier
- + Net Charge-Off Rate: Top 1.3% in tier
- + Net Worth Ratio: Top 3.1% in tier
- + Loan Growth Rate: Top 3.6% in tier
- + AMR Growth Rate: Top 5.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Efficiency Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.76% above tier average
- - Total Members: Bottom 0.7% in tier
- - Total Deposits: Bottom 4.4% in tier
- - Members Per Employee (MPE): Bottom 4.7% in tier
- - Total Assets: Bottom 4.9% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75
0% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.7% in tier |
| Assets |
$924,960
+5.0% YoY+0.4% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.9% in tier |
| Loans |
$803,161
+20.4% YoY+5.1% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.5% in tier |
| Deposits |
$565,382
+4.7% YoY-0.6% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.3% in tier |
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| ROA |
2.4%
+45.1% YoY-0.6% QoQ
|
+1.8% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 3.0% in tier |
| NIM |
6.5%
+2.6% YoY+1.2% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 2.1% in tier |
| Efficiency Ratio |
55.9%
-6.0% YoY+6.2% QoQ
|
-26.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.8% in tier |
| Delinquency Rate |
2.3%
-21.9% YoY-6.2% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
142.1%
+15.0% YoY+5.7% QoQ
|
+81.4% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 0.2% in tier |
| AMR |
$18,247
+13.4% YoY+2.6% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
71% |
| 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)
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
2
Loan-to-Share Ratio
balance_sheet
Value:
142.06%
Peer Median: -
#2 of 2556
Top 0.0% in <100M tier
33
Net Charge-Off Rate
risk
Value:
-0.44%
Peer Median: -
#33 of 2556
Top 1.3% in <100M tier
54
Net Interest Margin (NIM)
profitability
Value:
6.52%
Peer Median: -
#54 of 2556
Top 2.1% in <100M tier
76
Return on Assets (ROA)
profitability
Value:
2.42%
Peer Median: -
#76 of 2556
Top 2.9% in <100M tier
79
Net Worth Ratio
risk
Value:
37.54%
Peer Median: -
#79 of 2556
Top 3.1% in <100M tier
93
Loan Growth Rate
growth
Value:
20.39%
Peer Median: -
#93 of 2556
Top 3.6% in <100M tier
145
AMR Growth Rate
growth
Value:
13.37%
Peer Median: -
#145 of 2556
Top 5.6% in <100M tier
Top Weaknesses (6 metrics)
2538
Total Members
engagement
Value:
75
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2445
Total Deposits
balance_sheet
Value:
$565,382
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier
2438
Members Per Employee (MPE)
engagement
Value:
75.000
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2431
Total Assets
balance_sheet
Value:
$924,960
Peer Median: -
#2431 of 2556
Bottom 4.9% in <100M tier
2313
Total Loans
balance_sheet
Value:
$803,161
Peer Median: -
#2313 of 2556
Bottom 9.5% in <100M tier
2090
Total Delinquency Rate (60+ days)
risk
Value:
2.31%
Peer Median: -
#2090 of 2556
Bottom 18.3% in <100M tier