BlastPoint's Credit Union Scorecard
BRIDGETON ONIZED
Charter #3476 · NJ
BRIDGETON ONIZED has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.15% above tier average
- + Total Members: Top 5.2% in tier
- + Loan-to-Share Ratio: Top 6.2% in tier
- + Total Loans: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Delinquency rate 0.20% above tier average
- - Net Worth Ratio: Bottom 4.3% in tier
- - Indirect Auto Concentration (%): Bottom 7.8% in tier
- - Net Charge-Off Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,306
+0.4% YoY-0.8% QoQ
|
+4.7K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 5.2% in tier |
| Assets |
$48.8M
+5.1% YoY+0.3% QoQ
|
+$18.9M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$42.5M
+7.9% YoY+0.4% QoQ
|
+$26.8M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Top 8.7% in tier |
| Deposits |
$44.3M
+5.2% YoY+0.6% QoQ
|
+$18.8M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
0.3%
-60.0% YoY-53.9% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
6.1%
+1.4% YoY+0.7% QoQ
|
+2.1% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.9% in tier |
| Efficiency Ratio |
77.3%
+2.7% YoY+5.8% QoQ
|
-4.1% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.7%
-39.4% YoY+0.7% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
96.1%
+2.5% YoY-0.2% QoQ
|
+34.9% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 6.4% in tier |
| AMR |
$11,881
+6.1% YoY+1.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
1.3%
+1.3% YoY+11.2% QoQ
|
-23.1% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.7%
-30.6% YoY-4.8% QoQ
|
-0.3% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)