BlastPoint's Credit Union Scorecard
UNION BUILDING TRADES
Charter #21244 · NJ
UNION BUILDING TRADES has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.3% in tier
- + Total Assets: Top 5.9% in tier
- + Loan Growth Rate: Top 6.3% in tier
- + Total Deposits: Top 6.7% in tier
- + Total Loans: Top 9.2% in tier
- + Net Charge-Off Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 14.36% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,437
-1.4% YoY-0.6% QoQ
|
+21.8K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 0.1% in tier |
| Assets |
$84.2M
+0.4% YoY+0.3% QoQ
|
+$54.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 5.9% in tier |
| Loans |
$40.4M
+13.9% YoY+13.8% QoQ
|
+$25.1M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Top 9.3% in tier |
| Deposits |
$70.2M
-0.8% YoY-0.5% QoQ
|
+$44.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 6.7% in tier |
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| ROA |
-0.2%
+69.9% YoY-552.7% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.8%
-0.9% YoY-4.8% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
105.0%
+2.0% YoY+6.1% QoQ
|
+14.4% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate |
1.0%
-34.7% YoY-4.3% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
57.5%
+14.7% YoY+14.4% QoQ
|
-1.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$4,528
+5.6% YoY+4.9% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
8.4%
-5.0% YoY-1.5% QoQ
|
-15.9% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)