BlastPoint's Credit Union Scorecard
TERMINALS
Charter #17969 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
TERMINALS has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.96% above tier average
- + Net Interest Margin 2.64% above tier average
- + Strong member growth: 10.7% YoY
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Efficiency Ratio: Top 2.1% in tier
- + Net Worth Ratio: Top 3.0% in tier
- + Loan Growth Rate: Top 3.1% in tier
- + Member Growth Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.49% above tier average
- - Total Members: Bottom 0.8% in tier
- - Total Deposits: Bottom 4.5% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Total Assets: Bottom 5.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83
+10.7% YoY+10.7% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 0.7% in tier |
| Assets |
$964,175
+6.2% YoY+4.2% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.0% in tier |
| Loans |
$820,492
+21.1% YoY+2.2% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.0% in tier |
| Deposits |
$597,852
+5.7% YoY+5.7% QoQ
|
$-25.2M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.4% in tier |
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| ROA |
4.1%
+84.2% YoY+69.5% QoQ
|
+4.0% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 1.0% in tier |
| NIM |
6.6%
+5.9% YoY+2.0% QoQ
|
+2.6% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 1.9% in tier |
| Efficiency Ratio |
39.8%
-25.8% YoY-28.8% QoQ
|
-50.8% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
4.0%
+53.9% YoY+73.0% QoQ
|
+2.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
137.2%
+14.5% YoY-3.4% QoQ
|
+78.7% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 0.2% in tier |
| AMR |
$17,088
+3.1% YoY-6.4% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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 Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
4
Loan-to-Share Ratio
balance_sheet
Value:
137.24%
Peer Median: 58.72%
#4 of 2508
Top 0.1% in <100M tier
24
Return on Assets (ROA)
profitability
Value:
4.10%
Peer Median: 0.61%
#24 of 2508
Top 0.9% in <100M tier
48
Net Interest Margin (NIM)
profitability
Value:
6.65%
Peer Median: 3.83%
#48 of 2508
Top 1.9% in <100M tier
53
Efficiency Ratio
profitability
Value:
39.81%
Peer Median: 81.45%
#53 of 2508
Top 2.1% in <100M tier
76
Net Worth Ratio
risk
Value:
37.04%
Peer Median: 14.28%
#76 of 2508
Top 3.0% in <100M tier
80
Loan Growth Rate
growth
Value:
21.12%
Peer Median: -2.36%
#80 of 2508
Top 3.1% in <100M tier
81
Member Growth Rate
growth
Value:
10.67%
Peer Median: -1.37%
#81 of 2508
Top 3.2% in <100M tier
Top Weaknesses (6 metrics)
2490
Total Members
engagement
Value:
83
Peer Median: 1,918
#2490 of 2508
Bottom 0.8% in <100M tier
2397
Total Deposits
balance_sheet
Value:
$597,852
Peer Median: $18.77M
#2397 of 2508
Bottom 4.5% in <100M tier
2383
Members Per Employee (MPE)
engagement
Value:
83.000
Peer Median: 333.750
#2383 of 2508
Bottom 5.0% in <100M tier
2382
Total Assets
balance_sheet
Value:
$964,175
Peer Median: $21.86M
#2382 of 2508
Bottom 5.1% in <100M tier
2315
Total Delinquency Rate (60+ days)
risk
Value:
4.00%
Peer Median: 0.65%
#2315 of 2508
Bottom 7.7% in <100M tier
2256
Total Loans
balance_sheet
Value:
$820,492
Peer Median: $9.48M
#2256 of 2508
Bottom 10.1% in <100M tier