BlastPoint's Credit Union Scorecard

PROPONENT

Charter #20448 · NJ

Community 500M-750M

169 CUs in 500M-750M nationally 2 in NJ

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PROPONENT has 4 strengths but faces 16 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.05% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.4% in tier
+ Average Member Relationship (AMR): Top 3.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.1% in tier
- Accelerating Exit Risk: Bottom 20.2% in tier
- Shrinking Wallet Share: Bottom 20.3% in tier
- Institutional Decline: Bottom 23.2% in tier
- Liquidity Strain: Bottom 27.4% in tier
- Stagnation Risk: Bottom 30.1% in tier
- Membership Headwinds: Bottom 30.3% in tier
- Deposit Outflow: Bottom 65.0% in tier
- ROA 0.63% below tier average
- Efficiency ratio 14.00% above tier (higher cost structure)
- Delinquency rate 0.29% above tier average
- Total Deposits: Bottom 2.4% in tier
- Total Members: Bottom 3.6% in tier
- Total Assets: Bottom 5.3% in tier
- First Mortgage Concentration (%): Bottom 6.5% in tier
- Share Certificate Concentration (%): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	18,691 -0.8% YoY+0.2% QoQ	-21.1K	39,752 -2.7% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	Bottom 3.0% in tier
Assets	$508.6M +1.5% YoY-1.3% QoQ	$-113.8M	$622.4M +0.3% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	Bottom 4.7% in tier
Loans	$398.4M -3.0% YoY-1.1% QoQ	$-37.5M	$435.9M -0.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	32%
Deposits	$425.4M -0.9% YoY-1.8% QoQ	$-112.6M	$538.0M +1.3% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	Bottom 1.8% in tier

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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	0.0% -93.9% YoY-167.1% QoQ	-0.6%	0.7% +33.9% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	Bottom 7.1% in tier
NIM	3.5% +4.5% YoY+3.3% QoQ	+0.1%	3.4% +8.6% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	53%
Efficiency Ratio	92.1% +10.3% YoY-1.3% QoQ	+14.0%	78.1% -3.4% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	Top 5.9% in tier
Delinquency Rate	1.1% -2.9% YoY-30.7% QoQ	+0.3	0.8% -4.9% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	79%
Loan To Share	93.7% -2.2% YoY+0.6% QoQ	+12.6%	81.0% -1.8% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	82%
AMR	$44,077 -1.2% YoY-1.6% QoQ	+$18K	$26,482 +2.6% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	Top 4.1% in tier
CD Concentration	39.5% +2.1% YoY+1.7% QoQ	+15.1%	24.4% +4.2% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	Top 8.3% in tier
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Efficiency Drag

risk

#109 of 521 • Bottom 6.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.09%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#54 of 58 • Bottom 20.2% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -1.15%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 281 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#203 of 244 • Bottom 20.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.15%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 281 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Institutional Decline

decline

#184 of 256 • Bottom 23.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $508.62M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.04%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Liquidity Strain

risk

#213 of 258 • Bottom 27.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.66%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -3.04%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Stagnation Risk

risk

#496 of 550 • Bottom 30.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.04%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.09%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#500 of 550 • Bottom 30.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Deposit Outflow

decline

#53 of 81 • Bottom 65.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.90%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 281 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

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 169 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,317

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $44,077

Peer Avg: -

#7 of 169 Top 3.6% in 500M-750M tier

Net Worth Ratio

risk

Value: 14.18%

Peer Avg: -

#19 of 169 Top 10.7% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.66%

Peer Avg: -

#30 of 169 Top 17.2% in 500M-750M tier

Top Weaknesses (11 metrics)

166

Total Deposits

balance_sheet

Value: $425.41M

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

164

Total Members

engagement

Value: 18,691

Peer Avg: -

#164 of 169 Bottom 3.6% in 500M-750M tier

161

Total Assets

balance_sheet

Value: $508.62M

Peer Avg: -

#161 of 169 Bottom 5.3% in 500M-750M tier

160

Efficiency Ratio

profitability

Value: 92.09%

Peer Avg: -

#160 of 169 Bottom 5.9% in 500M-750M tier

159

First Mortgage Concentration (%)

balance_sheet

Value: 57.38%

Peer Avg: -

#159 of 169 Bottom 6.5% in 500M-750M tier

158

Share Certificate Concentration (%)

balance_sheet

Value: 39.50%

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

157

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Avg: -

#157 of 169 Bottom 7.7% in 500M-750M tier

149

Deposit Growth Rate

growth

Value: -0.90%

Peer Avg: -

#149 of 169 Bottom 12.4% in 500M-750M tier

143

Loan Growth Rate

growth

Value: -3.04%

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier

143

AMR Growth Rate

growth

Value: -1.15%

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier