BlastPoint's Credit Union Scorecard
PICATINNY
Charter #3291 · NJ
PICATINNY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 3.7% in tier
- + Total Deposits: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 24.2% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 3.24% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,881
+0.5% YoY+0.0% QoQ
|
+4.3K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$462.6M
+4.6% YoY+3.1% QoQ
|
+$231.3M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 3.8% in tier |
| Loans |
$254.4M
-2.3% YoY+0.9% QoQ
|
+$106.6M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Top 13.2% in tier |
| Deposits |
$389.1M
+2.7% YoY-1.2% QoQ
|
+$188.9M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 4.8% in tier |
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| ROA |
0.7%
+334.2% YoY+11.0% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
3.4%
+11.0% YoY+3.5% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
80.5%
-13.3% YoY-0.9% QoQ
|
+3.2% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.4%
-33.6% YoY-37.6% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
65.4%
-4.8% YoY+2.1% QoQ
|
-7.3% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$32,369
+0.2% YoY-0.4% QoQ
|
+$8K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Top 12.4% in tier |
| CD Concentration |
17.9%
+22.9% YoY+5.4% QoQ
|
-6.5% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)