BlastPoint's Credit Union Scorecard

ATLANTIC CITY ELECTRIC CO EMP

Charter #3755 · NJ

2596 CUs in <100M nationally 101 in NJ

ATLANTIC CITY ELECTRIC CO EMP has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.28% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.80% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	3,901 +0.9% YoY-1.8% QoQ	+1.3K	2,625 -2.2% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	78%
Assets	$61.6M +2.5% YoY-0.1% QoQ	+$31.7M	$29.9M +1.1% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	84%
Loans	$22.1M +8.5% YoY+2.4% QoQ	+$6.3M	$15.8M -2.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	73%
Deposits	$55.1M +1.4% YoY-0.9% QoQ	+$29.6M	$25.5M +0.4% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	85%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +67.9% YoY+2.1% QoQ	+0.3%	0.7% -731.4% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	59%
NIM	3.6% +9.3% YoY+2.3% QoQ	-0.3%	3.9% +3.8% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	70.8% -12.6% YoY+2.2% QoQ	-10.6%	81.4% -2.4% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	33%
Delinquency Rate	2.3% +15.5% YoY+34.3% QoQ	+0.8	1.5% -2.0% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	83%
Loan To Share	40.1% +7.0% YoY+3.3% QoQ	-21.1%	61.2% -3.0% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	19%
AMR	$19,780 +2.4% YoY+1.8% QoQ	+$5K	$14,627 -2.7% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	79%
CD Concentration	1.5% +9.3% YoY-5.5% QoQ	-22.9%	24.4% +4.2% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

342

Loan Growth Rate

growth

Value: 8.47%

Peer Avg: -

#342 of 2596 Top 13.1% in <100M tier

392

Total Deposits

balance_sheet

Value: $55.07M

Peer Avg: -

#392 of 2596 Top 15.1% in <100M tier

422

Total Assets

balance_sheet

Value: $61.60M

Peer Avg: -

#422 of 2596 Top 16.2% in <100M tier

556

Average Member Relationship (AMR)

engagement

Value: $19,780

Peer Avg: -

#556 of 2596 Top 21.4% in <100M tier

578

Total Members

engagement

Value: 3,901

Peer Avg: -

#578 of 2596 Top 22.2% in <100M tier

594

Members Per Employee (MPE)

engagement

Value: 433.444

Peer Avg: -

#594 of 2596 Top 22.8% in <100M tier

646

Member Growth Rate

growth

Value: 0.88%

Peer Avg: -

#646 of 2596 Top 24.8% in <100M tier

Top Weaknesses (2 metrics)

2159

Total Delinquency Rate (60+ days)

risk

Value: 2.31%

Peer Avg: -

#2159 of 2596 Bottom 16.9% in <100M tier

2094

Loan-to-Share Ratio

balance_sheet

Value: 40.11%

Peer Avg: -

#2094 of 2596 Bottom 19.4% in <100M tier