BlastPoint's Credit Union Scorecard

CAMPBELL

Charter #2141 · NJ

100M-500M

1024 CUs in 100M-500M nationally 24 in NJ

CAMPBELL has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Members Per Employee (MPE): Top 3.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
Shares and deposits -3.6% year over year ($118M in shares and deposits).
Membership: 10,698 members, -0.6% vs a year ago.
Delinquency rate 1.36%.
Return on assets 0.08%.
Efficiency ratio 85.08% vs a 76.73% peer average.
Loan-to-share ratio 45.78% vs a 71.54% 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	10,698 -0.6% YoY-0.0% QoQ	-4.5K	15,168 -2.6% YoY	7,520 +5.0% YoY	34,678 +6.6% YoY	36%
Assets	$138.6M -3.2% YoY-1.5% QoQ	$-93.4M	$232.0M +0.7% YoY	$121.5M +6.2% YoY	$593.1M +10.2% YoY	24%
Loans	$54.2M -11.7% YoY-7.0% QoQ	$-92.1M	$146.3M +0.2% YoY	$76.8M +8.6% YoY	$418.6M +10.1% YoY	Bottom 7.6% in tier
Deposits	$118.4M -3.6% YoY-1.8% QoQ	$-82.3M	$200.7M +0.2% YoY	$104.3M +6.9% YoY	$504.8M +10.3% YoY	23%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -70.4% YoY	-0.8%	0.9% +12.5% YoY	0.9% +81.6% YoY	1.2% +121.4% YoY	Bottom 2.6% in tier
NIM	3.3% +19.6% YoY+4.6% QoQ	-0.4%	3.7% +4.5% YoY	3.9% +3.8% YoY	3.8% +2.3% YoY	27%
Efficiency Ratio	85.1% +0.9% YoY-4.6% QoQ	+8.3%	76.7% -0.8% YoY	85.3% -2.0% YoY	83.0% -5.3% YoY	76%
Delinquency Rate	1.4% +67.5% YoY+34.3% QoQ	+0.5	0.9% +6.6% YoY	2.2% +22.2% YoY	1.3% +2.6% YoY	82%
Loan To Share	45.8% -8.3% YoY-5.3% QoQ	-25.8%	71.5% -0.3% YoY	52.7% +0.2% YoY	66.4% -1.4% YoY	Bottom 7.7% in tier
AMR	$16,134 -5.8% YoY-3.5% QoQ	$-9K	$25,107 +3.2% YoY	$16,658 -5.0% YoY	$20,028 -0.9% YoY	Bottom 13.6% in tier
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)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#119 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.55% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#46 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.75%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Efficiency Drag

risk

#143 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.08%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#197 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -11.69%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.36%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Deposit Outflow

decline

#39 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.64%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#26 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -5.75%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Institutional Decline

decline

#168 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $138.59M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -11.69%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Membership Headwinds

decline

#526 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.39%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 534.900

Peer Median: 310.924

#36 of 1024 Top 3.4% in 100M-500M tier

227

Net Worth Ratio

risk

Value: 14.27%

Peer Median: 11.71%

#227 of 1024 Top 22.1% in 100M-500M tier

249

First Mortgage Concentration (%)

balance_sheet

Value: 17.31%

Peer Median: 29.92%

#249 of 1024 Top 24.2% in 100M-500M tier

Top Weaknesses (15 metrics)

1018

Net Charge-Off Rate

risk

Value: 2.44%

Peer Median: 0.34%

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1008

Loan Growth Rate

growth

Value: -11.69%

Peer Median: 3.02%

#1008 of 1024 Bottom 1.7% in 100M-500M tier

997

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.75%

#997 of 1024 Bottom 2.7% in 100M-500M tier

985

AMR Growth Rate

growth

Value: -5.75%

Peer Median: 3.53%

#985 of 1024 Bottom 3.9% in 100M-500M tier

971

Asset Growth Rate

growth

Value: -3.17%

Peer Median: 4.12%

#971 of 1024 Bottom 5.3% in 100M-500M tier

967

Fee Income Per Member

profitability

Value: $71.39

Peer Median: $159.88

#967 of 1024 Bottom 5.7% in 100M-500M tier

966

Deposit Growth Rate

growth

Value: -3.64%

Peer Median: 3.58%

#966 of 1024 Bottom 5.8% in 100M-500M tier

963

Loan-to-Member Ratio (LMR)

engagement

Value: $5,066

Peer Median: $9,434

#963 of 1024 Bottom 6.1% in 100M-500M tier

946

Total Loans

balance_sheet

Value: $54.20M

Peer Median: $124.04M

#946 of 1024 Bottom 7.7% in 100M-500M tier

945

Loan-to-Share Ratio

balance_sheet

Value: 45.78%

Peer Median: 73.07%

#945 of 1024 Bottom 7.8% in 100M-500M tier