BlastPoint's Credit Union Scorecard
MAUN
Charter #24925 · NJ
2596 CUs in <100M nationally
101 in NJ
MAUN has 11 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 51.7% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Asset Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 1.8% in tier
- + Fee Income Per Member: Top 4.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.08% below tier average
- - Efficiency ratio 22.98% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 8.0% in tier
- - Total Members: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
355
+51.7% YoY+13.4% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 9.7% in tier |
| Assets |
$2.7M
+36.0% YoY-0.2% QoQ
|
$-27.1M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.2% in tier |
| Loans |
$1.7M
+24.9% YoY+7.3% QoQ
|
$-14.1M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$2.3M
+47.7% YoY+0.2% QoQ
|
$-23.2M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.7% in tier |
| ROA |
-0.4%
-126.2% YoY-580.4% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.9% in tier |
| NIM |
1.0%
-34.4% YoY-7.4% QoQ
|
-2.9% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.8% in tier |
| Efficiency Ratio |
104.4%
+71.5% YoY+14.5% QoQ
|
+23.0% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
74.8%
-15.4% YoY+7.1% QoQ
|
+13.6% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$11,098
-9.7% YoY-9.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
11
Deposit Growth Rate
growth
Value:
47.68%
Peer Avg: 16.80%
#11 of 2596
Top 0.4% in <100M tier
15
Member Growth Rate
growth
Value:
51.71%
Peer Avg: 14.92%
#15 of 2596
Top 0.5% in <100M tier
17
Asset Growth Rate
growth
Value:
36.03%
Peer Avg: 1.82%
#17 of 2596
Top 0.6% in <100M tier
49
Loan Growth Rate
growth
Value:
24.93%
Peer Avg: 59.01%
#49 of 2596
Top 1.8% in <100M tier
127
Fee Income Per Member
profitability
Value:
$221.90
Peer Avg: $182.96
#127 of 2596
Top 4.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (8 metrics)
2576
Net Interest Margin (NIM)
profitability
Value:
1.00%
Peer Avg: 3.93%
#2576 of 2596
Bottom 0.8% in <100M tier
2389
AMR Growth Rate
growth
Value:
-9.69%
Peer Avg: 4.67%
#2389 of 2596
Bottom 8.0% in <100M tier
2371
Efficiency Ratio
profitability
Value:
104.37%
Peer Avg: 81.39%
#2371 of 2596
Bottom 8.7% in <100M tier
2342
Total Members
engagement
Value:
355
Peer Avg: 2,626
#2342 of 2596
Bottom 9.8% in <100M tier
2339
Return on Assets (ROA)
profitability
Value:
-0.40%
Peer Avg: 0.68%
#2339 of 2596
Bottom 9.9% in <100M tier
2278
Total Assets
balance_sheet
Value:
$2.71M
Peer Avg: $29.86M
#2278 of 2596
Bottom 12.3% in <100M tier
2267
Total Deposits
balance_sheet
Value:
$2.25M
Peer Avg: $25.45M
#2267 of 2596
Bottom 12.7% in <100M tier
2189
Total Loans
balance_sheet
Value:
$1.69M
Peer Avg: $15.77M
#2189 of 2596
Bottom 15.7% in <100M tier