BlastPoint's Credit Union Scorecard
MAUN
Charter #24925 · NJ
2556 CUs in <100M nationally
98 in NJ
MAUN has 10 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 59.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + Asset Growth Rate: Top 1.1% in tier
- + Fee Income Per Member: Top 3.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Efficiency ratio 16.88% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 0.9% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
393
+59.1% YoY+10.7% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.7% in tier |
| Assets |
$2.7M
+25.5% YoY+0.7% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.7% in tier |
| Loans |
$2.0M
+62.8% YoY+17.9% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.3M
+32.8% YoY+0.8% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.5% in tier |
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| ROA |
-0.3%
-125.7% YoY-36.0% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.5% in tier |
| NIM |
1.0%
-29.6% YoY-1.1% QoQ
|
-3.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
99.4%
+41.6% YoY-4.7% QoQ
|
+16.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate | 1.1% | -0.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
87.5%
+22.6% YoY+16.9% QoQ
|
+26.9% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 12.8% in tier |
| AMR |
$10,841
-8.7% YoY-2.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
8
Member Growth Rate
growth
Value:
59.11%
Peer Median: -
#8 of 2556
Top 0.3% in <100M tier
17
Loan Growth Rate
growth
Value:
62.84%
Peer Median: -
#17 of 2556
Top 0.6% in <100M tier
20
Deposit Growth Rate
growth
Value:
32.78%
Peer Median: -
#20 of 2556
Top 0.7% in <100M tier
28
Asset Growth Rate
growth
Value:
25.46%
Peer Median: -
#28 of 2556
Top 1.1% in <100M tier
85
Fee Income Per Member
profitability
Value:
$248.08
Peer Median: -
#85 of 2556
Top 3.3% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
324
Loan-to-Share Ratio
balance_sheet
Value:
87.49%
Peer Median: -
#324 of 2556
Top 12.6% in <100M tier
Top Weaknesses (8 metrics)
2535
Net Interest Margin (NIM)
profitability
Value:
0.99%
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2355
AMR Growth Rate
growth
Value:
-8.68%
Peer Median: -
#2355 of 2556
Bottom 7.9% in <100M tier
2281
Total Members
engagement
Value:
393
Peer Median: -
#2281 of 2556
Bottom 10.8% in <100M tier
2262
Return on Assets (ROA)
profitability
Value:
-0.26%
Peer Median: -
#2262 of 2556
Bottom 11.5% in <100M tier
2262
Efficiency Ratio
profitability
Value:
99.44%
Peer Median: -
#2262 of 2556
Bottom 11.5% in <100M tier
2256
Total Assets
balance_sheet
Value:
$2.73M
Peer Median: -
#2256 of 2556
Bottom 11.8% in <100M tier
2236
Total Deposits
balance_sheet
Value:
$2.27M
Peer Median: -
#2236 of 2556
Bottom 12.6% in <100M tier
2109
Total Loans
balance_sheet
Value:
$1.99M
Peer Median: -
#2109 of 2556
Bottom 17.5% in <100M tier