BlastPoint's Credit Union Scorecard
MEMBERS 1ST OF NJ
Charter #2574 · NJ
MEMBERS 1ST OF NJ has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 0.05% above tier average
- + First Mortgage Concentration (%): Top 6.3% in tier
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 8.88% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Total Loans: Bottom 9.7% in tier
- - Loan-to-Share Ratio: Bottom 9.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
- Shares and deposits +3.7% year over year ($121M in shares and deposits).
- Membership: 13,034 members, +0.8% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.64%.
- Efficiency ratio 85.62% vs a 76.73% peer average.
- Loan-to-share ratio 47.78% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,034
+0.8% YoY-0.1% QoQ
|
-2.1K |
15,168
-2.6% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$134.2M
+4.4% YoY+0.7% QoQ
|
$-97.9M |
$232.0M
+0.7% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$57.8M
-1.1% YoY-0.0% QoQ
|
$-88.5M |
$146.3M
+0.2% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.6% in tier |
| Deposits |
$121.0M
+3.7% YoY+0.8% QoQ
|
$-79.7M |
$200.7M
+0.2% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.6%
-9.2% YoY-10.4% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.7%
-10.2% YoY-0.3% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
85.6%
-2.3% YoY+0.7% QoQ
|
+8.9% |
76.7%
-0.8% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.7%
-6.3% YoY-27.3% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
47.8%
-4.7% YoY-0.9% QoQ
|
-23.8% |
71.5%
-0.3% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.8% in tier |
| AMR |
$13,717
+1.3% YoY+0.6% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.8% in tier |
| CD Concentration |
11.9%
+2.0% YoY+0.0% QoQ
|
-12.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-56.0% YoY
|
-13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
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)