BlastPoint's Credit Union Scorecard
PICATINNY
Charter #3291 · NJ
PICATINNY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 3.3% in tier
- + Total Assets: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 5.89% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,855
+0.4% YoY+0.1% QoQ
|
+4.7K |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$454.4M
-4.5% YoY-2.2% QoQ
|
+$222.7M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 4.3% in tier |
| Loans |
$242.6M
-4.5% YoY-2.9% QoQ
|
+$98.5M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Top 14.5% in tier |
| Deposits |
$402.8M
+2.3% YoY-1.4% QoQ
|
+$201.7M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 3.4% in tier |
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| ROA |
0.5%
+88.4% YoY-16.5% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.6%
+11.4% YoY+4.8% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
83.9%
-3.8% YoY+2.5% QoQ
|
+5.9% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.3%
-59.7% YoY-53.0% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
60.2%
-6.6% YoY-1.5% QoQ
|
-10.2% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$32,508
-0.8% YoY-2.0% QoQ
|
+$8K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 13.3% in tier |
| CD Concentration |
18.6%
+12.3% YoY+4.7% QoQ
|
-5.6% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)