BlastPoint's Credit Union Scorecard

DEEPWATER INDUSTRIES

Charter #430 · NJ

1077 CUs in 100M-500M nationally 25 in NJ

DEEPWATER INDUSTRIES has 7 strengths but faces 9 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 8.8% in tier
+ ROA 0.18% above tier average
+ Net Interest Margin 0.02% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ AMR Growth Rate: Top 3.1% in tier
+ Members Per Employee (MPE): Top 4.4% in tier
+ Share Certificate Concentration (%): Top 4.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.5% in tier
- Stagnation Risk: Bottom 2.9% in tier
- Credit Quality Pressure: Bottom 20.9% in tier
- Credit Risk Growth: Bottom 27.7% in tier
- Member decline: -12.1% YoY
- Member Growth Rate: Bottom 2.5% in tier
- Total Loans: Bottom 6.7% in tier
- Total Assets: Bottom 7.1% in tier
- Total Deposits: Bottom 9.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	7,907 -12.1% YoY-0.5% QoQ	-7.7K	15,628 -3.4% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	15%
Assets	$110.3M +2.9% YoY-0.8% QoQ	$-121.0M	$231.3M -0.0% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	Bottom 7.0% in tier
Loans	$54.3M +1.2% YoY+1.0% QoQ	$-93.5M	$147.8M -1.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	Bottom 6.6% in tier
Deposits	$98.0M +1.4% YoY-1.4% QoQ	$-102.3M	$200.3M -0.0% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	Bottom 9.0% 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	1.0% +61.9% YoY-6.4% QoQ	+0.2%	0.8% +15.5% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	64%
NIM	3.6% +14.0% YoY+1.9% QoQ	+0.0%	3.6% +6.9% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	51%
Efficiency Ratio	71.5% -11.0% YoY+0.7% QoQ	-5.7%	77.3% -3.0% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	30%
Delinquency Rate	0.4% +24.7% YoY-39.4% QoQ	-0.4	0.9% +7.6% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	29%
Loan To Share	55.4% -0.2% YoY+2.5% QoQ	-17.3%	72.7% -1.5% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	16%
AMR	$19,254 +15.3% YoY-0.1% QoQ	$-5K	$24,363 +2.9% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	30%
CD Concentration	5.2% -15.1% YoY-4.8% QoQ	-19.2%	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 (1)

Wallet Share Momentum

growth

#43 of 481 • Top 8.8% in tier

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

Why This Signature

AMR Growth (YoY): 15.26%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#26 of 550 • Bottom 1.5% in tier

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

Why This Signature

Member Growth (YoY): -12.10%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#48 of 550 • Bottom 2.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -12.10%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.21%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#517 of 736 • Bottom 20.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#415 of 446 • Bottom 27.7% in tier

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

Why This Signature

Loan Growth (YoY): 1.21%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 15.26%

Peer Avg: -

#34 of 1077 Top 3.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 527.133

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 5.20%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1051

Member Growth Rate

growth

Value: -12.10%

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1006

Total Loans

balance_sheet

Value: $54.28M

Peer Avg: -

#1006 of 1077 Bottom 6.7% in 100M-500M tier

1002

Total Assets

balance_sheet

Value: $110.32M

Peer Avg: -

#1002 of 1077 Bottom 7.1% in 100M-500M tier

980

Total Deposits

balance_sheet

Value: $97.95M

Peer Avg: -

#980 of 1077 Bottom 9.1% in 100M-500M tier

913

Total Members

engagement

Value: 7,907

Peer Avg: -

#913 of 1077 Bottom 15.3% in 100M-500M tier

909

Loan-to-Share Ratio

balance_sheet

Value: 55.42%

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier

849

Loan-to-Member Ratio (LMR)

engagement

Value: $6,865

Peer Avg: -

#849 of 1077 Bottom 21.3% in 100M-500M tier