BlastPoint's Credit Union Scorecard
PROPONENT
Charter #20448 · NJ
PROPONENT has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Loan-to-Member Ratio (LMR): Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12.0% in tier
- - Efficiency Drag: Bottom 13.8% in tier
- - Shrinking Wallet Share: Bottom 87.6% in tier
- - Deposit Outflow: Bottom 88.3% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 11.52% above tier (higher cost structure)
- - Delinquency rate 0.18% above tier average
- - Total Members: Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,623
-0.4% YoY0% QoQ
|
-19.5K |
38,079
-4.8% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 3.0% in tier |
| Assets |
$518.6M
-1.1% YoY+2.0% QoQ
|
$-101.1M |
$619.7M
-0.2% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.8% in tier |
| Loans |
$396.9M
-2.6% YoY-0.3% QoQ
|
$-22.4M |
$419.3M
-1.4% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$436.0M
-1.5% YoY+2.5% QoQ
|
$-103.5M |
$539.5M
-0.1% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.1%
-155.7% YoY+23.1% QoQ
|
-0.6% |
0.7%
+36.0% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.8% in tier |
| NIM |
3.6%
+11.2% YoY+2.0% QoQ
|
+0.1% |
3.5%
+4.5% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
89.9%
-8.5% YoY-2.5% QoQ
|
+11.5% |
78.4%
-3.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
0.9%
-31.3% YoY-5.3% QoQ
|
+0.2 |
0.7%
-0.9% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
91.0%
-1.1% YoY-2.7% QoQ
|
+13.4% |
77.7%
-1.2% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$44,723
-1.6% YoY+1.1% QoQ
|
+$18K |
$26,927
+3.1% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 3.0% in tier |
| CD Concentration |
37.8%
-1.0% YoY-2.0% QoQ
|
+13.5% | 24.3% | 14.5% | 19.8% | Top 9.5% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)