BlastPoint's Credit Union Scorecard

RARITAN BAY

Charter #4726 · NJ

100M-500M

1070 CUs in 100M-500M nationally 25 in NJ

RARITAN BAY has 6 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 0.23% above tier average
+ Net Interest Margin 0.10% above tier average
+ First Mortgage Concentration (%): Top 2.1% in tier
+ AMR Growth Rate: Top 3.8% in tier
+ Share Certificate Concentration (%): Top 8.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Efficiency ratio 0.26% above tier (higher cost structure)
- Member decline: -10.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	7,432 -10.3% YoY-1.5% QoQ	-7.7K	15,145 -2.5% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	Bottom 14.3% in tier
Assets	$107.1M +1.9% YoY+2.2% QoQ	$-124.6M	$231.7M +0.8% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	Bottom 5.0% in tier
Loans	$37.3M +9.9% YoY+3.8% QoQ	$-106.9M	$144.1M +0.2% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	Bottom 2.1% in tier
Deposits	$97.9M +0.3% YoY+2.0% QoQ	$-103.2M	$201.1M +0.4% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	Bottom 9.4% in tier

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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% -16.6% YoY-17.2% QoQ	+0.2%	0.7% +5.1% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	68%
NIM	3.7% +9.1% YoY+0.2% QoQ	+0.1%	3.6% +4.6% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	78.3% -1.2% YoY+8.3% QoQ	+0.3%	78.0% -1.7% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	0.6% +33.5% YoY-21.2% QoQ	-0.2	0.8% +7.1% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	46%
Loan To Share	38.1% +9.6% YoY+1.8% QoQ	-32.4%	70.4% -0.4% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	Bottom 3.8% in tier
AMR	$18,185 +14.6% YoY+4.1% QoQ	$-7K	$24,918 +2.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	21%
CD Concentration	9.0% -1.3% YoY-4.2% QoQ	-15.3%	24.3%	14.5%	19.8%	50%
Indirect Auto %	16.7% -17.0% YoY-6.9% QoQ	+2.9%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#52 of 491 • 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): 14.61%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#33 of 570 • 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): -10.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#166 of 476 • 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): 9.88%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Stagnation Risk

risk

#250 of 570 • 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): -10.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.88%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.56%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#421 of 727 • 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): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

Indirect Auto Dependency

risk

#422 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.91%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.73%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -10.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY

Margin Compression

decline

#119 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.15%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | 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 1070 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.72%

Peer Median: 29.47%

#23 of 1070 Top 2.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 14.61%

Peer Median: 3.46%

#42 of 1070 Top 3.8% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 9.00%

Peer Median: 23.10%

#94 of 1070 Top 8.7% in 100M-500M tier

185

Loan Growth Rate

growth

Value: 9.88%

Peer Median: 2.93%

#185 of 1070 Top 17.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1048

Total Loans

balance_sheet

Value: $37.26M

Peer Median: $121.41M

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1040

Member Growth Rate

growth

Value: -10.35%

Peer Median: -0.06%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1029

Loan-to-Share Ratio

balance_sheet

Value: 38.06%

Peer Median: 71.88%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1017

Total Assets

balance_sheet

Value: $107.08M

Peer Median: $196.57M

#1017 of 1070 Bottom 5.0% in 100M-500M tier

1004

Loan-to-Member Ratio (LMR)

engagement

Value: $5,013

Peer Median: $9,356

#1004 of 1070 Bottom 6.3% in 100M-500M tier

993

Net Worth Ratio

risk

Value: 8.48%

Peer Median: 11.45%

#993 of 1070 Bottom 7.3% in 100M-500M tier

969

Total Deposits

balance_sheet

Value: $97.90M

Peer Median: $171.29M

#969 of 1070 Bottom 9.5% in 100M-500M tier

916

Total Members

engagement

Value: 7,432

Peer Median: 13,200

#916 of 1070 Bottom 14.5% in 100M-500M tier

867

Fee Income Per Member

profitability

Value: $100.33

Peer Median: $154.95

#867 of 1070 Bottom 19.1% in 100M-500M tier

845

Average Member Relationship (AMR)

engagement

Value: $18,185

Peer Median: $22,931

#845 of 1070 Bottom 21.1% in 100M-500M tier