BlastPoint's Credit Union Scorecard
PRINCETON
Charter #21009 · NJ
PRINCETON has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 38.1% in tier
- + Organic Growth Engine: Top 70.4% in tier
- + Relationship Depth Leader: Top 81.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.5% in tier
- - Credit Risk Growth: Bottom 22.2% in tier
- - Credit Quality Pressure: Bottom 37.6% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 18.96% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 4.6% in tier
- - First Mortgage Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,604
+3.2% YoY-1.4% QoQ
|
-6.8K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$172.2M
+0.5% YoY+1.0% QoQ
|
$-59.7M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$123.3M
+8.9% YoY-0.4% QoQ
|
$-24.1M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$156.5M
+3.7% YoY+1.0% QoQ
|
$-44.3M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
0.0%
+41.4% YoY+384.4% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.0% in tier |
| NIM |
3.4%
+9.0% YoY+3.5% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
96.0%
+0.6% YoY-0.8% QoQ
|
+19.0% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
0.6%
+96.5% YoY+42.0% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
78.7%
+5.0% YoY-1.4% QoQ
|
+6.5% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$32,522
+2.6% YoY+1.8% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 12.8% in tier |
| CD Concentration |
37.2%
+17.2% YoY-5.4% QoQ
|
+12.8% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)