BlastPoint's Credit Union Scorecard
BAY ATLANTIC
Charter #3541 · NJ
BAY ATLANTIC has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 1.2% in tier
- + Total Assets: Top 1.9% in tier
- + Total Members: Top 2.0% in tier
- + Total Loans: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.81% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,205
+0.3% YoY-0.3% QoQ
|
+6.6K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 2.0% in tier |
| Assets |
$94.7M
+8.6% YoY+2.8% QoQ
|
+$64.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 2.0% in tier |
| Loans |
$42.8M
+4.7% YoY+3.0% QoQ
|
+$27.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 8.6% in tier |
| Deposits |
$84.9M
+7.6% YoY+1.9% QoQ
|
+$59.2M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 1.2% in tier |
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| ROA |
0.7%
+52.7% YoY-21.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.1%
+12.7% YoY+0.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
84.4%
-3.7% YoY+3.7% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.1%
-29.7% YoY-73.9% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
50.4%
-2.6% YoY+1.1% QoQ
|
-10.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$13,866
+6.3% YoY+2.6% QoQ
|
$-916 |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
3.5%
-6.6% YoY-3.9% QoQ
|
-20.9% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)