BlastPoint's Credit Union Scorecard
ATLANTIC HEALTH EMPLOYEES
Charter #21737 · NJ
ATLANTIC HEALTH EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.14% above tier average
- + Members Per Employee (MPE): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Delinquency rate 3.31% above tier average
- - Member decline: -10.6% YoY
- - Member Growth Rate: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 8.7% in tier
- - Deposit Growth Rate: Bottom 9.6% 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 -8.6% year over year ($24.7M in shares and deposits).
- Membership: 5,279 members, -10.6% vs a year ago.
- Delinquency rate 4.85%.
- Return on assets 0.04%.
- Efficiency ratio 85.51% vs a 88.77% peer average.
- Loan-to-share ratio 37.75% 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 |
5,279
-10.6% YoY-2.9% QoQ
|
+2.7K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Top 11.8% in tier |
| Assets |
$27.9M
-7.4% YoY-2.5% QoQ
|
$-2.4M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$9.3M
-21.0% YoY-9.1% QoQ
|
$-6.2M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$24.7M
-8.6% YoY-3.4% QoQ
|
$-1.1M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.0%
-93.4% YoY-84.6% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.0% in tier |
| NIM |
5.0%
+18.4% YoY+2.1% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
85.5%
+3.8% YoY-2.3% QoQ
|
-3.3% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
4.9%
+59.4% YoY+58.2% QoQ
|
+3.3 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.6% in tier |
| Loan To Share |
37.7%
-13.6% YoY-5.9% QoQ
|
-21.1% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$6,433
-1.9% YoY-2.3% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
13.1%
-32.2% YoY+5.3% QoQ
|
-11.5% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)