BlastPoint's Credit Union Scorecard
PARLIN DUPONT EMPLOYEES
Charter #2246 · NJ
PARLIN DUPONT EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.51% above tier average
- + Strong member growth: 7.3% YoY
- + Member Growth Rate: Top 4.7% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 15.31% above tier (higher cost structure)
- - Delinquency rate 1.66% above tier average
- - AMR Growth Rate: Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
838
+7.3% YoY+1.1% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$5.3M
-3.4% YoY+2.3% QoQ
|
$-24.8M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$2.0M
-13.3% YoY-7.9% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$4.8M
-3.8% YoY+2.7% QoQ
|
$-21.0M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-0.3%
-309.1% YoY-238.6% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
4.5%
+1.0% YoY-6.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
105.9%
+9.1% YoY+11.2% QoQ
|
+15.3% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate |
3.2%
+249.0% YoY+3.4% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.4% in tier |
| Loan To Share |
42.2%
-9.9% YoY-10.4% QoQ
|
-16.3% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$8,164
-13.2% YoY-1.7% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
3.3%
+0.9% YoY-5.6% QoQ
|
-21.0% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)