BlastPoint's Credit Union Scorecard
BAY ATLANTIC
Charter #3541 · NJ
BAY ATLANTIC has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Total Deposits: Top 0.5% in tier
- + Total Assets: Top 1.0% in tier
- + Total Members: Top 1.6% in tier
- + Fee Income Per Member: Top 4.1% in tier
- + Loan Growth Rate: Top 4.7% in tier
- + Total Loans: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Efficiency ratio 0.44% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 8.9% 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 +4.7% year over year ($87.7M in shares and deposits).
- Membership: 9,261 members, -0.1% vs a year ago.
- Delinquency rate 0.23%.
- Return on assets 0.33%.
- Efficiency ratio 89.20% vs a 88.77% peer average.
- Loan-to-share ratio 54.47% 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 |
9,261
-0.1% YoY+1.3% QoQ
|
+6.7K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Top 1.6% in tier |
| Assets |
$97.1M
+4.8% YoY+1.6% QoQ
|
+$66.8M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Top 1.1% in tier |
| Loans |
$47.8M
+16.6% YoY+8.4% QoQ
|
+$32.3M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Top 6.2% in tier |
| Deposits |
$87.7M
+4.7% YoY+1.6% QoQ
|
+$61.9M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Top 0.5% in tier |
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| ROA |
0.3%
-65.3% YoY+29.2% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
4.2%
+4.5% YoY+1.0% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
89.2%
+8.5% YoY-2.6% QoQ
|
+0.4% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.2%
+0.7% YoY-18.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
54.5%
+11.3% YoY+6.8% QoQ
|
-4.4% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$14,635
+8.7% YoY+2.5% QoQ
|
$-328 |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
3.3%
-8.4% YoY+2.3% QoQ
|
-21.3% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)