BlastPoint's Credit Union Scorecard
LOCAL 1233
Charter #20773 · NJ
LOCAL 1233 has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 988.0% YoY
- + Member Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 0.15% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits +0.6% year over year ($11.5M in shares and deposits).
- Membership: 903 members, +988.0% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 0.82%.
- Efficiency ratio 88.92% vs a 88.77% peer average.
- Loan-to-share ratio 49.08% vs a 58.89% 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 |
903
+988.0% YoY+0.1% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$14.1M
+1.0% YoY+1.3% QoQ
|
$-16.2M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$5.6M
+0.7% YoY+1.2% QoQ
|
$-9.8M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$11.5M
+0.6% YoY+1.2% QoQ
|
$-14.3M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.8%
-18.5% YoY+8.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.7%
-5.4% YoY-1.5% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
88.9%
+8.8% YoY+9.4% QoQ
|
+0.2% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.3%
+8.0% YoY+112.2% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
49.1%
+0.1% YoY+0.0% QoQ
|
-9.8% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$18,968
-90.8% YoY+1.1% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)