BlastPoint's Credit Union Scorecard

TEANECK

Charter #2021 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

TEANECK faces 3 concerns requiring attention

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.85% below tier average
- Efficiency ratio 31.04% above tier (higher cost structure)
- Delinquency rate 0.16% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	976 -1.8% YoY-1.7% QoQ	-1.7K	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	27%
Assets	$17.1M -0.2% YoY-0.9% QoQ	$-13.1M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	44%
Loans	$6.3M -11.9% YoY-6.0% QoQ	$-9.0M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	39%
Deposits	$14.9M -0.2% YoY-0.8% QoQ	$-10.8M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.7% -361.8% YoY-473.7% QoQ	-0.9%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	Bottom 10.8% in tier
NIM	2.9% +4.2% YoY+4.8% QoQ	-1.1%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	121.7% +33.4% YoY+37.9% QoQ	+31.0%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	Bottom 5.6% in tier
Delinquency Rate	1.7% -82.4% YoY-34.9% QoQ	+0.2	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	77%
Loan To Share	41.9% -11.7% YoY-5.2% QoQ	-16.6%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	24%
AMR	$21,713 -2.2% YoY-0.7% QoQ	+$7K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	84%
CD Concentration	29.8% +55.5% YoY+8.2% QoQ	+5.5%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

413

Average Member Relationship (AMR)

engagement

Value: $21,713

Peer Median: $13,926

#413 of 2508 Top 16.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (9 metrics)

2369

Efficiency Ratio

profitability

Value: 121.68%

Peer Median: 81.45%

#2369 of 2508 Bottom 5.6% in <100M tier

2239

Members Per Employee (MPE)

engagement

Value: 162.667

Peer Median: 333.750

#2239 of 2508 Bottom 10.8% in <100M tier

2238

Return on Assets (ROA)

profitability

Value: -0.70%

Peer Median: 0.61%

#2238 of 2508 Bottom 10.8% in <100M tier

2155

First Mortgage Concentration (%)

balance_sheet

Value: 38.91%

Peer Median: 3.66%

#2155 of 2508 Bottom 14.1% in <100M tier

2099

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.83%

#2099 of 2508 Bottom 16.3% in <100M tier

2068

Loan Growth Rate

growth

Value: -11.94%

Peer Median: -2.36%

#2068 of 2508 Bottom 17.6% in <100M tier

2063

Share Certificate Concentration (%)

balance_sheet

Value: 29.82%

Peer Median: 12.45%

#2063 of 2508 Bottom 17.8% in <100M tier

1930

Total Delinquency Rate (60+ days)

risk

Value: 1.66%

Peer Median: 0.65%

#1930 of 2508 Bottom 23.1% in <100M tier

1906

Loan-to-Share Ratio

balance_sheet

Value: 41.90%

Peer Median: 58.72%

#1906 of 2508 Bottom 24.0% in <100M tier