BlastPoint's Credit Union Scorecard

RARITAN BAY

Charter #4726 · NJ

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

RARITAN BAY has 6 strengths but faces 13 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 15.0% in tier
+ ROA 0.28% above tier average
+ Net Interest Margin 0.03% above tier average
+ First Mortgage Concentration (%): Top 2.0% in tier
+ AMR Growth Rate: Top 5.3% in tier
+ Share Certificate Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.9% in tier
- Stagnation Risk: Bottom 3.0% in tier
- Credit Quality Pressure: Bottom 8.8% in tier
- Credit Risk Growth: Bottom 21.0% in tier
- Indirect Auto Dependency: Bottom 26.2% in tier
- Member decline: -10.9% YoY
- Total Loans: Bottom 1.8% in tier
- Total Assets: Bottom 2.7% in tier
- Member Growth Rate: Bottom 3.0% in tier
- Loan-to-Share Ratio: Bottom 3.2% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- Net Worth Ratio: Bottom 4.7% in tier
- Total Deposits: Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	7,651 -10.9% YoY-14.9% QoQ	-8.0K	15,628 -3.4% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	Bottom 13.7% in tier
Assets	$104.2M +1.8% YoY-0.9% QoQ	$-127.1M	$231.3M -0.0% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	Bottom 2.6% in tier
Loans	$35.1M +0.9% YoY+1.3% QoQ	$-112.7M	$147.8M -1.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	Bottom 1.7% in tier
Deposits	$95.9M +0.1% YoY-1.6% QoQ	$-104.4M	$200.3M -0.0% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	Bottom 7.3% in tier

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	1.1% +226.1% YoY-13.7% QoQ	+0.3%	0.8% +15.5% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	70%
NIM	3.6% +21.6% YoY+3.2% QoQ	+0.0%	3.6% +6.9% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	52%
Efficiency Ratio	76.3% -14.5% YoY-0.0% QoQ	-1.0%	77.3% -3.0% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	47%
Delinquency Rate	0.7% +98.8% YoY-7.2% QoQ	-0.1	0.9% +7.6% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	53%
Loan To Share	36.6% +0.8% YoY+2.9% QoQ	-36.1%	72.7% -1.5% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	Bottom 3.2% in tier
AMR	$17,118 +12.6% YoY+16.5% QoQ	$-7K	$24,363 +2.9% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	18%
CD Concentration	9.3% -7.0% YoY+2.1% QoQ	-15.1%	24.4% +4.2% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.9% -13.2% YoY-3.4% QoQ	+3.9%	14.0% -5.7% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#73 of 481 • Top 15.0% in tier

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

Why This Signature

AMR Growth (YoY): 12.56%

(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 (5)

Membership Headwinds

decline

#32 of 550 • Bottom 1.9% in tier

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

Why This Signature

Member Growth (YoY): -10.87%

(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

#50 of 550 • Bottom 3.0% 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): -10.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.92%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.72%

(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

#218 of 736 • Bottom 8.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.36% 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

#316 of 446 • Bottom 21.0% in tier

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

Why This Signature

Loan Growth (YoY): 0.92%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.36% 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

Indirect Auto Dependency

risk

#421 of 525 • Bottom 26.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.84%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.90%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -10.87%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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 (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.79%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.56%

Peer Avg: -

#58 of 1077 Top 5.3% in 100M-500M tier

103

Share Certificate Concentration (%)

balance_sheet

Value: 9.31%

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

Top Weaknesses (11 metrics)

1059

Total Loans

balance_sheet

Value: $35.07M

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1049

Total Assets

balance_sheet

Value: $104.22M

Peer Avg: -

#1049 of 1077 Bottom 2.7% in 100M-500M tier

1046

Member Growth Rate

growth

Value: -10.87%

Peer Avg: -

#1046 of 1077 Bottom 3.0% in 100M-500M tier

1043

Loan-to-Share Ratio

balance_sheet

Value: 36.57%

Peer Avg: -

#1043 of 1077 Bottom 3.2% in 100M-500M tier

1035

Loan-to-Member Ratio (LMR)

engagement

Value: $4,583

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier

1027

Net Worth Ratio

risk

Value: 8.11%

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

998

Total Deposits

balance_sheet

Value: $95.90M

Peer Avg: -

#998 of 1077 Bottom 7.4% in 100M-500M tier

929

Total Members

engagement

Value: 7,651

Peer Avg: -

#929 of 1077 Bottom 13.8% in 100M-500M tier

903

Fee Income Per Member

profitability

Value: $103.02

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier

879

Average Member Relationship (AMR)

engagement

Value: $17,118

Peer Avg: -

#879 of 1077 Bottom 18.5% in 100M-500M tier