BlastPoint's Credit Union Scorecard
1ST BERGEN
Charter #24810 · NJ
1ST BERGEN has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Fee Income Per Member: Top 0.6% in tier
- + Net Worth Ratio: Top 8.0% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.20% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,714
+3.9% YoY+1.0% QoQ
|
-962 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$11.3M
+0.2% YoY+6.8% QoQ
|
$-18.9M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$5.7M
-8.2% YoY+2.2% QoQ
|
$-9.6M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$7.4M
+1.4% YoY+11.2% QoQ
|
$-18.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
0.8%
+6.9% YoY-25.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.5%
-10.5% YoY-10.2% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
81.0%
+3.6% YoY-1.4% QoQ
|
-9.6% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
3.7%
+103.6% YoY-17.2% QoQ
|
+2.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
77.2%
-9.5% YoY-8.0% QoQ
|
+18.7% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$7,632
-6.7% YoY+6.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
18.8%
+18.0% YoY-13.7% QoQ
|
-5.4% | 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)