BlastPoint's Credit Union Scorecard
SEAPORT
Charter #19185 · NJ
SEAPORT has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + Loan Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 18.63% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Total Members: Bottom 5.6% in tier
- - Total Loans: Bottom 6.2% in tier
- - Total Assets: Bottom 6.8% in tier
- - Total Deposits: Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
- Shares and deposits +6.9% year over year ($94.8M in shares and deposits).
- Membership: 5,801 members, +4.4% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.14%.
- Efficiency ratio 95.37% vs a 76.73% peer average.
- Loan-to-share ratio 53.99% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,801
+4.4% YoY+1.8% QoQ
|
-9.4K |
15,168
-2.6% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 5.5% in tier |
| Assets |
$109.6M
+5.5% YoY+1.2% QoQ
|
$-122.4M |
$232.0M
+0.7% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.7% in tier |
| Loans |
$51.2M
+16.5% YoY+5.6% QoQ
|
$-95.1M |
$146.3M
+0.2% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.1% in tier |
| Deposits |
$94.8M
+6.9% YoY+1.2% QoQ
|
$-105.9M |
$200.7M
+0.2% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.2% in tier |
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| ROA |
0.1%
-72.8% YoY
|
-0.7% |
0.9%
+12.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.4% in tier |
| NIM |
3.4%
+4.1% YoY+2.4% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
95.4%
+10.5% YoY-2.4% QoQ
|
+18.6% |
76.7%
-0.8% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
0.5%
-32.9% YoY-33.7% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
54.0%
+8.9% YoY+4.4% QoQ
|
-17.6% |
71.5%
-0.3% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$25,171
+5.5% YoY+0.9% QoQ
|
+$65 |
$25,107
+3.2% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
11.1%
-18.5% YoY-12.3% QoQ
|
-13.5% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)