BlastPoint's Credit Union Scorecard
PARLIN DUPONT EMPLOYEES
Charter #2246 · NJ
PARLIN DUPONT EMPLOYEES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 15.51% above tier (higher cost structure)
- - Delinquency rate 3.09% above tier average
- - Loan Growth Rate: Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
- - AMR Growth Rate: Bottom 8.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -0.6% year over year ($4.9M in shares and deposits).
- Membership: 838 members, +2.1% vs a year ago.
- Delinquency rate 4.63%.
- Return on assets 0.21%.
- Efficiency ratio 104.28% vs a 88.77% peer average.
- Loan-to-share ratio 38.26% 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 |
838
+2.1% YoY0% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$5.4M
-0.6% YoY+1.7% QoQ
|
$-24.8M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$1.9M
-21.3% YoY-7.7% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$4.9M
-0.6% YoY+1.9% QoQ
|
$-20.9M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.2%
-10.9% YoY-173.1% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.5% in tier |
| NIM |
4.6%
+1.3% YoY+2.1% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
104.3%
+9.6% YoY-1.6% QoQ
|
+15.5% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.0% in tier |
| Delinquency Rate |
4.6%
+459.2% YoY+46.4% QoQ
|
+3.1 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.0% in tier |
| Loan To Share |
38.3%
-20.8% YoY-9.4% QoQ
|
-20.6% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$8,089
-9.2% YoY-0.9% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration |
3.2%
-8.0% YoY-1.8% QoQ
|
-21.3% | 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)