BlastPoint's Credit Union Scorecard
SEAPORT
Charter #19185 · NJ
SEAPORT has 6 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 4.0% in tier
- + Loan Growth Rate: Top 9.2% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.70% below tier average
- - Efficiency ratio 19.73% above tier (higher cost structure)
- - Total Members: Bottom 5.3% in tier
- - Total Loans: Bottom 5.7% in tier
- - Total Assets: Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,698
+4.4% YoY+1.1% QoQ
|
-9.4K |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$108.3M
+8.1% YoY+2.1% QoQ
|
$-123.4M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.9% in tier |
| Loans |
$48.5M
+13.2% YoY+3.5% QoQ
|
$-95.7M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.6% in tier |
| Deposits |
$93.7M
+9.8% YoY+3.6% QoQ
|
$-107.4M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.0% in tier |
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| ROA |
0.0%
-92.6% YoY-94.6% QoQ
|
-0.7% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.5% in tier |
| NIM |
3.3%
+1.6% YoY+1.2% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
97.7%
+9.5% YoY+11.8% QoQ
|
+19.7% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate |
0.7%
+14.2% YoY+109.3% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
51.7%
+3.1% YoY-0.1% QoQ
|
-18.7% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.8% in tier |
| AMR |
$24,957
+6.3% YoY+2.4% QoQ
|
+$39 |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
61% |
| CD Concentration |
12.6%
-1.6% YoY-8.0% QoQ
|
-11.6% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)