BlastPoint's Credit Union Scorecard

PROPONENT

Charter #20448 · NJ

Community 500M-750M

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

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PROPONENT has 5 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 0.09% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 2.4% in tier
+ Loan-to-Member Ratio (LMR): Top 2.4% in tier
+ Net Worth Ratio: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.1% in tier
- Deposit Outflow: Bottom 48.5% in tier
- Stagnation Risk: Bottom 66.2% in tier
- Shrinking Wallet Share: Bottom 75.8% in tier
- Institutional Decline: Bottom 77.4% in tier
- Liquidity Strain: Bottom 85.0% in tier
- Accelerating Exit Risk: Bottom 92.7% in tier
- Membership Headwinds: Bottom 97.3% in tier
- ROA 0.56% below tier average
- Efficiency ratio 14.73% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Total Deposits: Bottom 2.4% in tier
- Total Members: Bottom 3.6% in tier
- Total Assets: Bottom 5.5% in tier
- First Mortgage Concentration (%): Bottom 7.9% in tier
- Share Certificate Concentration (%): Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	18,623 -0.6% YoY-0.4% QoQ	-20.0K	38,575 -4.8% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	Bottom 3.0% in tier
Assets	$508.3M -1.1% YoY-0.1% QoQ	$-113.5M	$621.7M +0.1% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	Bottom 4.8% in tier
Loans	$398.0M -2.7% YoY-0.1% QoQ	$-31.9M	$429.8M -1.8% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	32%
Deposits	$425.5M -1.3% YoY+0.0% QoQ	$-113.2M	$538.7M +0.6% YoY	$102.3M +10.2% YoY	$477.3M +9.7% 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	0.1% -58.9% YoY+299.0% QoQ	-0.6%	0.7% +42.9% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	Bottom 10.3% in tier
NIM	3.5% +7.3% YoY+1.6% QoQ	+0.1%	3.4% +8.0% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	92.2% +5.9% YoY+0.2% QoQ	+14.7%	77.5% -4.1% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	Top 4.2% in tier
Delinquency Rate	0.9% -25.4% YoY-14.4% QoQ	+0.1	0.8% -1.1% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	70%
Loan To Share	93.5% -1.5% YoY-0.1% QoQ	+13.7%	79.8% -2.3% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	85%
AMR	$44,216 -1.4% YoY+0.3% QoQ	+$17K	$26,849 +2.7% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	Top 3.0% in tier
CD Concentration	38.6% -1.9% YoY-2.4% QoQ	+14.1%	24.4%	14.4%	19.8%	Top 9.4% in tier
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Efficiency Drag

risk

#23 of 538 • Bottom 4.1% in tier

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

Why This Signature

Efficiency Ratio: 92.24%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Deposit Outflow

decline

#34 of 69 • Bottom 48.5% 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): -1.29%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 282 Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Stagnation Risk

risk

#367 of 554 • Bottom 66.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.93%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Shrinking Wallet Share

decline

#158 of 208 • Bottom 75.8% in tier

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

Why This Signature

AMR Growth (YoY): -1.38%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 282 Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Institutional Decline

decline

#186 of 240 • Bottom 77.4% in tier

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

Why This Signature

Total Assets: $508.25M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -0.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 282 Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Strain

risk

#194 of 228 • Bottom 85.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.53%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#52 of 56 • Bottom 92.7% in tier

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

Why This Signature

Member Growth (YoY): -0.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -1.38%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 282 Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Membership Headwinds

decline

#539 of 554 • Bottom 97.3% in tier

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

Why This Signature

Member Growth (YoY): -0.62%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | 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 165 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $44,216

Peer Median: -

#5 of 165 Top 2.4% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,369

Peer Median: -

#5 of 165 Top 2.4% in 500M-750M tier

Net Worth Ratio

risk

Value: 14.27%

Peer Median: -

#15 of 165 Top 8.5% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.53%

Peer Median: -

#25 of 165 Top 14.5% in 500M-750M tier

Top Weaknesses (11 metrics)

162

Total Deposits

balance_sheet

Value: $425.48M

Peer Median: -

#162 of 165 Bottom 2.4% in 500M-750M tier

160

Total Members

engagement

Value: 18,623

Peer Median: -

#160 of 165 Bottom 3.6% in 500M-750M tier

159

Efficiency Ratio

profitability

Value: 92.24%

Peer Median: -

#159 of 165 Bottom 4.2% in 500M-750M tier

157

Total Assets

balance_sheet

Value: $508.25M

Peer Median: -

#157 of 165 Bottom 5.5% in 500M-750M tier

153

First Mortgage Concentration (%)

balance_sheet

Value: 56.79%

Peer Median: -

#153 of 165 Bottom 7.9% in 500M-750M tier

152

Share Certificate Concentration (%)

balance_sheet

Value: 38.57%

Peer Median: -

#152 of 165 Bottom 8.5% in 500M-750M tier

148

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: -

#148 of 165 Bottom 10.9% in 500M-750M tier

148

Deposit Growth Rate

growth

Value: -1.29%

Peer Median: -

#148 of 165 Bottom 10.9% in 500M-750M tier

145

Asset Growth Rate

growth

Value: -1.11%

Peer Median: -

#145 of 165 Bottom 12.7% in 500M-750M tier

144

AMR Growth Rate

growth

Value: -1.38%

Peer Median: -

#144 of 165 Bottom 13.3% in 500M-750M tier