BlastPoint's Credit Union Scorecard

DEEPWATER INDUSTRIES

Charter #430 · NJ

100M-500M

1024 CUs in 100M-500M nationally 24 in NJ

DEEPWATER INDUSTRIES has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.82% above tier average
+ Net Interest Margin 0.52% above tier average
+ Share Certificate Concentration (%): Top 4.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Delinquency rate 0.12% above tier average
- Member decline: -2.2% YoY
- Total Assets: Bottom 9.2% in tier
- Total Deposits: Bottom 9.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
Shares and deposits -0.6% year over year ($98.8M in shares and deposits).
Membership: 7,774 members, -2.2% vs a year ago.
Delinquency rate 1.00%.
Return on assets 1.68%.
Efficiency ratio 66.17% vs a 76.73% peer average.
Loan-to-share ratio 60.21% vs a 71.54% 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	7,774 -2.2% YoY+0.4% QoQ	-7.4K	15,168 -2.6% YoY	7,520 +5.0% YoY	34,678 +6.6% YoY	17%
Assets	$113.6M +2.1% YoY+0.3% QoQ	$-118.4M	$232.0M +0.7% YoY	$121.5M +6.2% YoY	$593.1M +10.2% YoY	Bottom 9.1% in tier
Loans	$59.5M +10.7% YoY+10.6% QoQ	$-86.8M	$146.3M +0.2% YoY	$76.8M +8.6% YoY	$418.6M +10.1% YoY	Bottom 10.8% in tier
Deposits	$98.8M -0.6% YoY-0.4% QoQ	$-101.9M	$200.7M +0.2% YoY	$104.3M +6.9% YoY	$504.8M +10.3% YoY	Bottom 9.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% +62.0% YoY-7.0% QoQ	+0.8%	0.9% +12.5% YoY	0.9% +81.6% YoY	1.2% +121.4% YoY	Top 8.0% in tier
NIM	4.2% +18.8% YoY-2.9% QoQ	+0.5%	3.7% +4.5% YoY	3.9% +3.8% YoY	3.8% +2.3% YoY	81%
Efficiency Ratio	66.2% -6.9% YoY-4.6% QoQ	-10.6%	76.7% -0.8% YoY	85.3% -2.0% YoY	83.0% -5.3% YoY	18%
Delinquency Rate	1.0% +44.8% YoY+129.6% QoQ	+0.1	0.9% +6.6% YoY	2.2% +22.2% YoY	1.3% +2.6% YoY	69%
Loan To Share	60.2% +11.4% YoY+11.0% QoQ	-11.3%	71.5% -0.3% YoY	52.7% +0.2% YoY	66.4% -1.4% YoY	26%
AMR	$20,366 +5.7% YoY+3.1% QoQ	$-5K	$25,107 +3.2% YoY	$16,658 -5.0% YoY	$20,028 -0.9% YoY	33%
CD Concentration	4.8% -12.4% YoY+9.0% QoQ	-19.8%	24.6%	14.8%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	1.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#412 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.69%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#64 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.74%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#244 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Membership Headwinds

decline

#321 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.16%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Stagnation Risk

risk

#419 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.16%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 10.74%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.00%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 4.79%

Peer Median: 23.39%

#49 of 1024 Top 4.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.68%

Peer Median: 0.75%

#82 of 1024 Top 7.9% in 100M-500M tier

110

Members Per Employee (MPE)

engagement

Value: 457.294

Peer Median: 310.924

#110 of 1024 Top 10.6% in 100M-500M tier

149

Loan Growth Rate

growth

Value: 10.74%

Peer Median: 3.02%

#149 of 1024 Top 14.5% in 100M-500M tier

185

Efficiency Ratio

profitability

Value: 66.17%

Peer Median: 77.26%

#185 of 1024 Top 18.0% in 100M-500M tier

197

Net Interest Margin (NIM)

profitability

Value: 4.21%

Peer Median: 3.67%

#197 of 1024 Top 19.1% in 100M-500M tier

Top Weaknesses (5 metrics)

931

Total Assets

balance_sheet

Value: $113.58M

Peer Median: $196.38M

#931 of 1024 Bottom 9.2% in 100M-500M tier

926

Total Deposits

balance_sheet

Value: $98.82M

Peer Median: $170.77M

#926 of 1024 Bottom 9.7% in 100M-500M tier

913

Total Loans

balance_sheet

Value: $59.50M

Peer Median: $124.04M

#913 of 1024 Bottom 10.9% in 100M-500M tier

855

Deposit Growth Rate

growth

Value: -0.57%

Peer Median: 3.58%

#855 of 1024 Bottom 16.6% in 100M-500M tier

854

Total Members

engagement

Value: 7,774

Peer Median: 13,128

#854 of 1024 Bottom 16.7% in 100M-500M tier