BlastPoint's Credit Union Scorecard
1ST BERGEN
Charter #24810 · NJ
1ST BERGEN has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.5% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + Asset Growth Rate: Top 3.0% in tier
- + Net Worth Ratio: Top 7.7% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.96% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,710
-0.1% YoY+4.1% QoQ
|
-915 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$11.0M
+15.3% YoY+4.5% QoQ
|
$-18.9M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$6.1M
-2.9% YoY+3.8% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$6.9M
+23.8% YoY+8.7% QoQ
|
$-18.6M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
29% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
+52.8% YoY+16.3% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.9%
+6.8% YoY+5.1% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
76.6%
-11.9% YoY-1.3% QoQ
|
-4.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
3.5%
+63.3% YoY+34.3% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 10.1% in tier |
| Loan To Share |
88.3%
-21.6% YoY-4.4% QoQ
|
+27.1% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 12.8% in tier |
| AMR |
$7,602
+9.7% YoY+2.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
21.8%
-14.7% YoY-1.5% QoQ
|
-2.6% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)