BlastPoint's Credit Union Scorecard
MAUN
Charter #24925 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
MAUN has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 55.8% YoY
- + Member Growth Rate: Top 0.4% in tier
- + Loan Growth Rate: Top 0.4% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Asset Growth Rate: Top 0.6% in tier
- + Loan-to-Share Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 3.09% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
441
+55.8% YoY+12.2% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 12.1% in tier |
| Assets |
$3.1M
+35.4% YoY+15.3% QoQ
|
$-27.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.2% in tier |
| Loans |
$2.4M
+78.8% YoY+22.7% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$2.7M
+44.2% YoY+18.4% QoQ
|
$-23.1M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.2% in tier |
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| ROA |
-0.1%
-92.7% YoY-75.5% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
0.7%
-40.7% YoY-33.8% QoQ
|
-3.4% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
93.7%
-23.6% YoY-5.7% QoQ
|
+3.1% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
1.3%
+24.3% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
90.7%
+24.0% YoY+3.7% QoQ
|
+32.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 7.7% in tier |
| AMR |
$11,632
+1.9% YoY+7.3% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
11
Member Growth Rate
growth
Value:
55.83%
Peer Median: -1.37%
#11 of 2508
Top 0.4% in <100M tier
11
Loan Growth Rate
growth
Value:
78.84%
Peer Median: -2.36%
#11 of 2508
Top 0.4% in <100M tier
13
Fee Income Per Member
profitability
Value:
$539.30
Peer Median: $60.42
#13 of 2508
Top 0.5% in <100M tier
13
Deposit Growth Rate
growth
Value:
44.25%
Peer Median: 0.66%
#13 of 2508
Top 0.5% in <100M tier
16
Asset Growth Rate
growth
Value:
35.38%
Peer Median: 1.30%
#16 of 2508
Top 0.6% in <100M tier
192
Loan-to-Share Ratio
balance_sheet
Value:
90.73%
Peer Median: 58.72%
#192 of 2508
Top 7.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (7 metrics)
2492
Net Interest Margin (NIM)
profitability
Value:
0.66%
Peer Median: 3.83%
#2492 of 2508
Bottom 0.7% in <100M tier
2205
Total Members
engagement
Value:
441
Peer Median: 1,918
#2205 of 2508
Bottom 12.1% in <100M tier
2176
Total Assets
balance_sheet
Value:
$3.15M
Peer Median: $21.86M
#2176 of 2508
Bottom 13.3% in <100M tier
2153
Total Deposits
balance_sheet
Value:
$2.69M
Peer Median: $18.77M
#2153 of 2508
Bottom 14.2% in <100M tier
2015
Return on Assets (ROA)
profitability
Value:
-0.06%
Peer Median: 0.61%
#2015 of 2508
Bottom 19.7% in <100M tier
1988
Total Loans
balance_sheet
Value:
$2.44M
Peer Median: $9.48M
#1988 of 2508
Bottom 20.8% in <100M tier
1894
Efficiency Ratio
profitability
Value:
93.73%
Peer Median: 81.45%
#1894 of 2508
Bottom 24.5% in <100M tier