BlastPoint's Credit Union Scorecard
ATLANTIC CITY ELECTRIC CO EMP
Charter #3755 · NJ
ATLANTIC CITY ELECTRIC CO EMP has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,894
+0.3% YoY+0.7% QoQ
|
+1.2K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$64.7M
+2.8% YoY+6.5% QoQ
|
+$34.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 14.8% in tier |
| Loans |
$21.6M
+2.2% YoY-3.9% QoQ
|
+$6.3M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$57.9M
+1.5% YoY+7.3% QoQ
|
+$32.1M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 13.3% in tier |
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| ROA |
0.7%
-50.6% YoY-10.6% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
3.5%
-3.1% YoY-0.3% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
77.0%
+16.8% YoY+1.8% QoQ
|
-13.6% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
2.7%
+30.3% YoY-0.6% QoQ
|
+1.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.3% in tier |
| Loan To Share |
37.3%
+0.7% YoY-10.4% QoQ
|
-21.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$20,416
+1.4% YoY+3.3% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
2.2%
+52.3% YoY+28.6% QoQ
|
-22.1% | 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)