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 0.11% above tier average
- + Net Interest Margin 0.13% above tier average
- + Total Deposits: Top 0.4% in tier
- + Total Assets: Top 1.3% in tier
- + Total Members: Top 1.7% in tier
- + Total Loans: Top 7.3% in tier
- + Fee Income Per Member: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.98% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,139
-1.3% YoY-0.7% QoQ
|
+6.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Top 1.8% in tier |
| Assets |
$95.5M
+3.7% YoY+0.9% QoQ
|
+$65.3M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 1.3% in tier |
| Loans |
$44.1M
+7.9% YoY+3.1% QoQ
|
+$28.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Top 7.3% in tier |
| Deposits |
$86.4M
+3.2% YoY+1.8% QoQ
|
+$60.6M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 0.5% in tier |
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| ROA |
0.3%
-66.6% YoY-65.6% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
4.1%
+4.8% YoY+1.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
91.6%
+7.8% YoY+8.6% QoQ
|
+1.0% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.3%
+25.0% YoY+188.7% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
51.0%
+4.6% YoY+1.2% QoQ
|
-7.5% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$14,276
+6.0% YoY+3.0% QoQ
|
$-608 |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
3.2%
-10.0% YoY-8.2% QoQ
|
-21.1% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)