BlastPoint's Credit Union Scorecard
ATLANTIC HEALTH EMPLOYEES
Charter #21737 ยท NJ
2596 CUs in <100M nationally
101 in NJ
ATLANTIC HEALTH EMPLOYEES has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Strong member growth: 5.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.5% in tier
- + Member Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 6.46% above tier (higher cost structure)
- - Delinquency rate 2.68% above tier average
- - AMR Growth Rate: Bottom 7.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,498
+5.1% YoY-6.9% QoQ
|
+2.9K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 11.4% in tier |
| Assets |
$29.4M
-2.1% YoY-2.5% QoQ
|
$-455K |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$11.2M
-12.9% YoY-5.2% QoQ
|
$-4.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$26.2M
-2.5% YoY-2.7% QoQ
|
+$788K |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
61% |
| ROA |
0.3%
-721.6% YoY-55.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
4.3%
+16.7% YoY+1.4% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
87.9%
+10.6% YoY+6.6% QoQ
|
+6.5% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
4.2%
+202.6% YoY+37.6% QoQ
|
+2.7 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 7.8% in tier |
| Loan To Share |
42.6%
-10.7% YoY-2.6% QoQ
|
-18.7% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$6,804
-10.4% YoY+3.7% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.4% in tier |
| CD Concentration |
13.6%
-28.4% YoY-29.3% QoQ
|
-10.8% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
40
Members Per Employee (MPE)
engagement
Value:
916.333
Peer Avg: 365.701
#40 of 2596
Top 1.5% in <100M tier
177
Member Growth Rate
growth
Value:
5.06%
Peer Avg: 14.92%
#177 of 2596
Top 6.8% in <100M tier
295
Total Members
engagement
Value:
5,498
Peer Avg: 2,626
#295 of 2596
Top 11.3% in <100M tier
Top Weaknesses (8 metrics)
2406
AMR Growth Rate
growth
Value:
-10.38%
Peer Avg: 4.67%
#2406 of 2596
Bottom 7.4% in <100M tier
2395
Total Delinquency Rate (60+ days)
risk
Value:
4.19%
Peer Avg: 1.51%
#2395 of 2596
Bottom 7.8% in <100M tier
2254
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,031
Peer Avg: $5,488
#2254 of 2596
Bottom 13.2% in <100M tier
2223
Average Member Relationship (AMR)
engagement
Value:
$6,804
Peer Avg: $14,627
#2223 of 2596
Bottom 14.4% in <100M tier
2218
Loan Growth Rate
growth
Value:
-12.93%
Peer Avg: 59.01%
#2218 of 2596
Bottom 14.6% in <100M tier
2203
Net Charge-Off Rate
risk
Value:
0.95%
Peer Avg: 0.57%
#2203 of 2596
Bottom 15.2% in <100M tier
2103
Net Worth Ratio
risk
Value:
10.28%
Peer Avg: 16.43%
#2103 of 2596
Bottom 19.0% in <100M tier
2015
Loan-to-Share Ratio
balance_sheet
Value:
42.56%
Peer Avg: 61.23%
#2015 of 2596
Bottom 22.4% in <100M tier