BlastPoint's Credit Union Scorecard

MEMBERS 1ST OF NJ

Charter #2574 · NJ

100M-500M

1070 CUs in 100M-500M nationally 25 in NJ

MEMBERS 1ST OF NJ has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.11% above tier average
+ Strong member growth: 36.3% YoY
+ Asset Growth Rate: Top 0.3% in tier
+ Deposit Growth Rate: Top 0.6% in tier
+ Member Growth Rate: Top 0.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 7.00% above tier (higher cost structure)
- Delinquency rate 0.12% above tier average
- Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- Average Member Relationship (AMR): Bottom 4.8% in tier
- Total Loans: Bottom 9.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	13,043 +36.3% YoY-0.3% QoQ	-2.1K	15,145 -2.5% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	50%
Assets	$133.3M +52.7% YoY+3.1% QoQ	$-98.5M	$231.7M +0.8% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	22%
Loans	$57.8M +18.5% YoY-0.6% QoQ	$-86.3M	$144.1M +0.2% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	Bottom 9.6% in tier
Deposits	$120.0M +49.6% YoY+4.5% QoQ	$-81.2M	$201.1M +0.4% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +40.0% YoY-31.9% QoQ	+0.0%	0.7% +5.1% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	52%
NIM	3.7% +5.0% YoY+0.5% QoQ	+0.1%	3.6% +4.6% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	85.0% -5.4% YoY+7.9% QoQ	+7.0%	78.0% -1.7% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.9% +53.7% YoY-0.9% QoQ	+0.1	0.8% +7.1% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	71%
Loan To Share	48.2% -20.8% YoY-4.9% QoQ	-22.2%	70.4% -0.4% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	Bottom 10.1% in tier
AMR	$13,631 +1.1% YoY+3.1% QoQ	$-11K	$24,918 +2.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	Bottom 4.7% in tier
CD Concentration	11.9% -0.3% YoY-1.4% QoQ	-12.4%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0% -65.1% YoY	-13.8%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#5 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 36.29%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.03%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#67 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 36.29%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.03%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#56 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 36.29%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#34 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 18.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#221 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#507 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.02%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 36.29%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 52.68%

Peer Median: 3.91%

#4 of 1070 Top 0.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 49.58%

Peer Median: 3.30%

#7 of 1070 Top 0.6% in 100M-500M tier

Member Growth Rate

growth

Value: 36.29%

Peer Median: -0.06%

#11 of 1070 Top 0.9% in 100M-500M tier

Loan Growth Rate

growth

Value: 18.50%

Peer Median: 2.93%

#45 of 1070 Top 4.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 5.93%

Peer Median: 29.47%

#72 of 1070 Top 6.6% in 100M-500M tier

100

Members Per Employee (MPE)

engagement

Value: 465.821

Peer Median: 309.176

#100 of 1070 Top 9.3% in 100M-500M tier

149

Share Certificate Concentration (%)

balance_sheet

Value: 11.92%

Peer Median: 23.10%

#149 of 1070 Top 13.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1036

Loan-to-Member Ratio (LMR)

engagement

Value: $4,433

Peer Median: $9,356

#1036 of 1070 Bottom 3.3% in 100M-500M tier

1020

Average Member Relationship (AMR)

engagement

Value: $13,631

Peer Median: $22,931

#1020 of 1070 Bottom 4.8% in 100M-500M tier

967

Total Loans

balance_sheet

Value: $57.82M

Peer Median: $121.41M

#967 of 1070 Bottom 9.7% in 100M-500M tier

962

Loan-to-Share Ratio

balance_sheet

Value: 48.20%

Peer Median: 71.88%

#962 of 1070 Bottom 10.2% in 100M-500M tier

838

Total Assets

balance_sheet

Value: $133.26M

Peer Median: $196.57M

#838 of 1070 Bottom 21.8% in 100M-500M tier

826

Net Worth Ratio

risk

Value: 9.63%

Peer Median: 11.45%

#826 of 1070 Bottom 22.9% in 100M-500M tier

811

Total Deposits

balance_sheet

Value: $119.97M

Peer Median: $171.29M

#811 of 1070 Bottom 24.3% in 100M-500M tier