BlastPoint's Credit Union Scorecard
MEMBERS 1ST OF NJ
Charter #2574 · NJ
MEMBERS 1ST OF NJ has 12 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.5% in tier
- + Organic Growth Engine: Top 4.5% in tier
- + Emerging Performer: Top 16.0% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 0.12% above tier average
- + Strong member growth: 35.8% YoY
- + Asset Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Loan Growth Rate: Top 5.9% in tier
- + First Mortgage Concentration (%): Top 6.4% in tier
- + Members Per Employee (MPE): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.1% in tier
- - Credit Quality Pressure: Bottom 51.4% in tier
- - Efficiency ratio 1.77% above tier (higher cost structure)
- - Delinquency rate 0.01% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Loans: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,083
+35.8% YoY-0.0% QoQ
|
-2.4K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$129.2M
+53.1% YoY+0.7% QoQ
|
$-102.6M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$58.2M
+16.2% YoY+0.2% QoQ
|
$-89.2M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.3% in tier |
| Deposits |
$114.8M
+49.2% YoY+0.5% QoQ
|
$-86.0M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.1%
+156.4% YoY+4.8% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.7%
+9.6% YoY+1.2% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
78.8%
-12.9% YoY-2.2% QoQ
|
+1.8% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.9%
+28.6% YoY+6.7% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
50.7%
-22.1% YoY-0.3% QoQ
|
-21.6% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.6% in tier |
| AMR |
$13,224
+0.3% YoY+0.5% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
12.1%
+2.1% YoY-2.2% QoQ
|
-12.3% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-76.7% YoY-39.2% QoQ
|
-13.8% | 13.8% | 1.0% | 7.8% | 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 (2)
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.
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)