BlastPoint's Credit Union Scorecard
PROPONENT
Charter #20448 · NJ
PROPONENT has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NJ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.4% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.3% in tier
- - Efficiency Drag: Bottom 35.8% in tier
- - Shrinking Wallet Share: Bottom 82.8% in tier
- - Deposit Outflow: Bottom 90.1% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 4.80% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Total Members: Bottom 3.6% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in New Jersey.
- Shares and deposits -1.9% year over year ($425M in shares and deposits).
- Membership: 18,605 members, -0.3% vs a year ago.
- Delinquency rate 1.22%.
- Return on assets 0.59%.
- Efficiency ratio 81.36% vs a 76.56% peer average.
- Loan-to-share ratio 95.32% vs a 79.33% 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 |
18,605
-0.3% YoY-0.1% QoQ
|
-19.3K |
37,897
-5.0% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 3.0% in tier |
| Assets |
$508.8M
-1.3% YoY-1.9% QoQ
|
$-113.5M |
$622.4M
+0.6% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.5% in tier |
| Loans |
$404.7M
+0.4% YoY+2.0% QoQ
|
$-23.8M |
$428.5M
-0.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$424.6M
-1.9% YoY-2.6% QoQ
|
$-115.1M |
$539.8M
+0.9% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+375.1% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.7%
+9.8% YoY+2.5% QoQ
|
+0.2% |
3.5%
+5.0% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
81.4%
-12.8% YoY-9.5% QoQ
|
+4.8% |
76.6%
-3.6% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
1.2%
-21.9% YoY+39.0% QoQ
|
+0.4 |
0.8%
+3.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
95.3%
+2.4% YoY+4.7% QoQ
|
+16.0% |
79.3%
-1.4% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Top 10.9% in tier |
| AMR |
$44,576
-0.5% YoY-0.3% QoQ
|
+$17K |
$27,294
+4.1% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Top 3.6% in tier |
| CD Concentration |
38.5%
-0.9% YoY+1.8% QoQ
|
+13.9% | 24.6% | 14.8% | 20.0% | Top 9.0% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)