BlastPoint's Credit Union Scorecard
PRINCETON
Charter #21009 · NJ
PRINCETON has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.69% below tier average
- - Efficiency ratio 13.39% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 6.0% in tier
- - First Mortgage Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,701
+3.0% YoY+1.1% QoQ
|
-6.4K |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$170.7M
-1.1% YoY-0.8% QoQ
|
$-61.0M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$121.4M
+5.8% YoY-1.5% QoQ
|
$-22.7M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$155.1M
+1.9% YoY-0.9% QoQ
|
$-46.1M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
0.0%
-136.4% YoY
|
-0.7% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.1% in tier |
| NIM |
3.9%
+21.4% YoY+13.6% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
91.4%
-9.6% YoY-4.8% QoQ
|
+13.4% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
0.7%
+304.2% YoY+23.4% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
78.3%
+3.8% YoY-0.6% QoQ
|
+7.9% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$31,777
+0.5% YoY-2.3% QoQ
|
+$7K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 14.9% in tier |
| CD Concentration |
36.3%
+3.8% YoY-2.5% QoQ
|
+12.0% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)