BlastPoint's Credit Union Scorecard
ATLANTIC HEALTH EMPLOYEES
Charter #21737 · NJ
ATLANTIC HEALTH EMPLOYEES has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.4% in tier
- + Member Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 4.51% above tier (higher cost structure)
- - Delinquency rate 2.90% above tier average
- - AMR Growth Rate: Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
- - Deposit Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,510
+4.7% YoY+0.2% QoQ
|
+2.9K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 11.2% in tier |
| Assets |
$27.4M
-7.7% YoY-6.7% QoQ
|
$-2.7M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$10.8M
-14.6% YoY-3.5% QoQ
|
$-5.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$24.3M
-8.8% YoY-7.3% QoQ
|
$-1.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-46.4% YoY-47.5% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
4.5%
+14.5% YoY+3.2% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
87.1%
+9.9% YoY-0.9% QoQ
|
+4.5% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
4.5%
+19.0% YoY+6.2% QoQ
|
+2.9 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 7.4% in tier |
| Loan To Share |
44.3%
-6.4% YoY+4.1% QoQ
|
-16.3% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$6,369
-14.7% YoY-6.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
13.3%
-31.8% YoY-2.3% QoQ
|
-11.1% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)