BlastPoint's Credit Union Scorecard
PARLIN DUPONT EMPLOYEES
Charter #2246 · NJ
PARLIN DUPONT EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
- + Strong member growth: 6.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency ratio 12.75% above tier (higher cost structure)
- - Delinquency rate 1.51% above tier average
- - AMR Growth Rate: Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
829
+6.1% YoY0% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$5.2M
-6.1% YoY+3.8% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$2.2M
-6.3% YoY-4.8% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$4.7M
-6.9% YoY+4.3% QoQ
|
$-21.0M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.2%
-73.6% YoY-14.7% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
4.8%
-5.1% YoY+1.1% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
95.3%
+18.5% YoY+1.1% QoQ
|
+12.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
3.1%
+369.2% YoY+5.8% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 12.6% in tier |
| Loan To Share |
47.1%
+0.7% YoY-8.7% QoQ
|
-13.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$8,308
-12.1% YoY+1.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
3.5%
+7.5% YoY-9.7% QoQ
|
-20.9% | 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)