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 1.89% above tier average
- + Loan-to-Share Ratio: Top 2.6% in tier
- + Total Members: Top 4.3% in tier
- + Total Loans: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Net Worth Ratio: Bottom 3.7% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits +1.6% year over year ($44.7M in shares and deposits).
- Membership: 7,293 members, -1.0% vs a year ago.
- Delinquency rate 1.19%.
- Return on assets 0.23%.
- Efficiency ratio 78.41% vs a 88.77% peer average.
- Loan-to-share ratio 101.68% vs a 58.89% 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 |
7,293
-1.0% YoY+0.3% QoQ
|
+4.7K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Top 4.4% in tier |
| Assets |
$49.7M
+2.4% YoY-1.4% QoQ
|
+$19.5M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$45.5M
+7.3% YoY+4.6% QoQ
|
+$30.0M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Top 7.1% in tier |
| Deposits |
$44.7M
+1.6% YoY-2.8% QoQ
|
+$18.9M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.2%
-64.5% YoY-218.1% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.2% in tier |
| NIM |
5.8%
-4.2% YoY+1.2% QoQ
|
+1.9% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
78.4%
+7.2% YoY+0.9% QoQ
|
-10.4% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
1.2%
-30.0% YoY-17.9% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
101.7%
+5.6% YoY+7.7% QoQ
|
+42.8% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Top 2.7% in tier |
| AMR |
$12,362
+5.4% YoY+0.5% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
1.4%
+12.1% YoY+4.1% QoQ
|
-23.2% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % |
9.8%
-31.5% YoY-12.0% QoQ
|
-3.8% | 13.6% | 1.1% | 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)