BlastPoint's Credit Union Scorecard
MEMBERS 1ST OF NJ
Charter #2574 · NJ
MEMBERS 1ST OF NJ has 11 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.1% in tier
- + Organic Growth Engine: Top 2.0% in tier
- + Emerging Performer: Top 21.0% in tier
- + ROA 0.22% above tier average
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 35.1% YoY
- + Asset Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Member Growth Rate: Top 0.8% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + First Mortgage Concentration (%): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 5.0% in tier
- - Efficiency Drag: Bottom 29.5% in tier
- - Efficiency ratio 3.26% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,089
+35.1% YoY+1.2% QoQ
|
-2.5K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$128.3M
+58.1% YoY-0.2% QoQ
|
$-103.0M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$58.1M
+16.6% YoY-0.7% QoQ
|
$-89.7M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.5% in tier |
| Deposits |
$114.2M
+52.8% YoY-2.1% QoQ
|
$-86.1M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
1.0%
+143.1% YoY+42.0% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.7%
+10.6% YoY-11.4% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
80.5%
-10.6% YoY-8.1% QoQ
|
+3.3% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.8%
+178.7% YoY+21.9% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
50.8%
-23.7% YoY+1.4% QoQ
|
-21.9% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.3% in tier |
| AMR |
$13,163
+2.4% YoY-2.8% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
12.4%
+14.0% YoY+5.7% QoQ
|
-12.0% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-38.1% YoY-6.9% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)