BlastPoint's Credit Union Scorecard
UNION BUILDING TRADES
Charter #21244 · NJ
UNION BUILDING TRADES has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Total Members: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.3% in tier
- + Loan Growth Rate: Top 2.5% in tier
- + Total Assets: Top 5.2% in tier
- + Total Deposits: Top 6.3% in tier
- + Total Loans: Top 8.0% in tier
- + AMR Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 6.82% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 8.1% 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 +1.5% year over year ($71.7M in shares and deposits).
- Membership: 24,451 members, -1.3% vs a year ago.
- Delinquency rate 0.84%.
- Return on assets 0.22%.
- Efficiency ratio 95.59% vs a 88.77% peer average.
- Loan-to-share ratio 60.93% 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 |
24,451
-1.3% YoY+0.1% QoQ
|
+21.9K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Top 0.1% in tier |
| Assets |
$85.8M
+2.3% YoY+2.0% QoQ
|
+$55.6M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Top 5.3% in tier |
| Loans |
$43.7M
+23.8% YoY+8.1% QoQ
|
+$28.2M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Top 8.0% in tier |
| Deposits |
$71.7M
+1.5% YoY+2.1% QoQ
|
+$45.9M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Top 6.3% in tier |
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| ROA |
0.2%
-194.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.7% in tier |
| NIM |
4.2%
+6.9% YoY+9.2% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
95.6%
-5.1% YoY-9.0% QoQ
|
+6.8% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.8%
-42.8% YoY-19.7% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
60.9%
+21.9% YoY+5.9% QoQ
|
+2.0% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$4,718
+10.4% YoY+4.2% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
8.4%
-0.1% YoY+0.0% QoQ
|
-16.1% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 1.7% | -12.0% | 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)