BlastPoint's Credit Union Scorecard
1ST BERGEN
Charter #24810 · NJ
1ST BERGEN has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.0% in tier
- + Net Worth Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.92% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,697
+1.6% YoY-0.8% QoQ
|
-918 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$10.6M
-1.0% YoY-3.6% QoQ
|
$-19.6M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$5.6M
-9.7% YoY-8.6% QoQ
|
$-10.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$6.6M
-1.3% YoY-3.8% QoQ
|
$-19.0M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
1.1%
+39.2% YoY-23.1% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
3.9%
+10.4% YoY+0.3% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
82.1%
-6.7% YoY+7.3% QoQ
|
-0.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
4.5%
+48.3% YoY+29.0% QoQ
|
+2.9 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 7.4% in tier |
| Loan To Share |
83.9%
-8.6% YoY-5.0% QoQ
|
+23.3% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$7,198
-6.8% YoY-5.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
21.8%
+2.5% YoY+0.0% QoQ
|
-2.6% | 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)