BlastPoint's Credit Union Scorecard
THE ATLANTIC
Charter #477 · NJ
THE ATLANTIC has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% 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 -3.4% year over year ($203M in shares and deposits).
- Membership: 14,880 members, -1.0% vs a year ago.
- Delinquency rate 3.51%.
- Return on assets 0.10%.
- Efficiency ratio 88.08% vs a 76.73% peer average.
- Loan-to-share ratio 90.88% 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 |
14,880
-1.0% YoY+1.1% QoQ
|
-288 |
15,168
-2.6% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$235.1M
-3.3% YoY-0.4% QoQ
|
+$3.1M |
$232.0M
+0.7% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$184.0M
-2.9% YoY-1.1% QoQ
|
+$37.8M |
$146.3M
+0.2% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$202.5M
-3.4% YoY-0.8% QoQ
|
+$1.8M |
$200.7M
+0.2% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.1%
-66.8% YoY-120.4% QoQ
|
-0.8% |
0.9%
+12.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.5% in tier |
| NIM |
3.9%
+4.9% YoY+2.0% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
88.1%
+8.2% YoY-0.3% QoQ
|
+11.3% |
76.7%
-0.8% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
3.5%
+136.8% YoY+4.4% QoQ
|
+2.6 |
0.9%
+6.6% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
90.9%
+0.5% YoY-0.3% QoQ
|
+19.3% |
71.5%
-0.3% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Top 13.1% in tier |
| AMR |
$25,978
-2.2% YoY-2.0% QoQ
|
+$872 |
$25,107
+3.2% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
25.7%
+26.8% YoY+11.7% QoQ
|
+1.2% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (10)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)