BlastPoint's Credit Union Scorecard
BRIDGETON ONIZED
Charter #3476 · NJ
BRIDGETON ONIZED has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.71% above tier average
- + Total Members: Top 4.7% in tier
- + Loan-to-Share Ratio: Top 5.2% in tier
- + Total Loans: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Net Worth Ratio: Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 6.4% in tier
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,274
-1.2% YoY-0.1% QoQ
|
+4.6K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 4.7% in tier |
| Assets |
$50.5M
+1.9% YoY+1.1% QoQ
|
+$20.3M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
77% |
| Loans |
$43.4M
+7.1% YoY+1.4% QoQ
|
+$28.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Top 7.7% in tier |
| Deposits |
$46.0M
+2.1% YoY+1.2% QoQ
|
+$20.2M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
-0.2%
-179.4% YoY-156.5% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
5.7%
-6.1% YoY-4.9% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
77.7%
+3.4% YoY-0.6% QoQ
|
-12.9% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
1.4%
-20.7% YoY-21.8% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
94.4%
+4.9% YoY+0.2% QoQ
|
+35.9% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 5.3% in tier |
| AMR |
$12,297
+5.7% YoY+1.4% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
1.3%
+5.6% YoY-0.7% QoQ
|
-23.0% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % |
11.2%
-32.2% YoY-9.4% QoQ
|
-2.6% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)