BlastPoint's Credit Union Scorecard

THE ATLANTIC

Charter #477 · NJ

1069 CUs in 100M-500M nationally 25 in NJ

THE ATLANTIC has 2 strengths but faces 16 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

+ Net Interest Margin 0.21% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.0% in tier
- Stagnation Risk: Bottom 5.4% in tier
- Institutional Decline: Bottom 29.3% in tier
- Membership Headwinds: Bottom 33.3% in tier
- Accelerating Exit Risk: Bottom 52.7% in tier
- Efficiency Drag: Bottom 72.2% in tier
- Capital Constraint: Bottom 72.7% in tier
- Shrinking Wallet Share: Bottom 99.0% in tier
- ROA 1.39% below tier average
- Efficiency ratio 9.58% above tier (higher cost structure)
- Delinquency rate 4.42% above tier average
- Member decline: -4.1% YoY
- Total Delinquency Rate (60+ days): Bottom 0.3% in tier
- Asset Growth Rate: Bottom 4.7% in tier
- Deposit Growth Rate: Bottom 5.2% in tier
- Net Charge-Off Rate: Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	14,754 -4.1% YoY-1.1% QoQ	-683	15,437 -2.9% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	57%
Assets	$239.9M -3.4% YoY-1.4% QoQ	+$8.0M	$231.9M +1.3% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	61%
Loans	$185.8M -5.6% YoY-2.4% QoQ	+$38.4M	$147.3M -0.1% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	72%
Deposits	$207.6M -3.7% YoY-1.0% QoQ	+$6.8M	$200.8M +0.8% YoY	$102.3M +10.2% YoY	$477.3M +9.7% YoY	61%

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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	-0.6% +287.7% YoY-1681.2% QoQ	-1.4%	0.8% +18.2% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	Bottom 2.2% in tier
NIM	3.8% +11.5% YoY+1.0% QoQ	+0.2%	3.6% +6.7% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	62%
Efficiency Ratio	86.6% +0.3% YoY+1.5% QoQ	+9.6%	77.0% -3.1% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	5.3% +244.4% YoY+51.2% QoQ	+4.4	0.9% +4.2% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	Top 0.3% in tier
Loan To Share	89.5% -1.9% YoY-1.3% QoQ	+17.3%	72.2% -1.1% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	84%
AMR	$26,662 -0.5% YoY-0.5% QoQ	+$2K	$24,676 +3.4% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	71%
CD Concentration	22.8% +54.9% YoY+4.5% QoQ	-1.6%	24.4%	14.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#1 of 705 • Bottom 0.0% in tier

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

Why This Signature

Delinquency Change (YoY): 3.77% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#31 of 554 • Bottom 5.4% 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): -4.07%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.55%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 5.31%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#71 of 240 • Bottom 29.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $239.88M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.07%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.55%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#185 of 554 • Bottom 33.3% in tier

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

Why This Signature

Member Growth (YoY): -4.07%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline

#30 of 56 • Bottom 52.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.07%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -0.53%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Efficiency Drag

risk

#389 of 538 • Bottom 72.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.59%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.46% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.07%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Capital Constraint

risk

#17 of 23 • Bottom 72.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 89.50%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -3.68%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 13.36%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Shrinking Wallet Share

decline

#206 of 208 • Bottom 99.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.53%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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 1069 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

167

Loan-to-Share Ratio

balance_sheet

Value: 89.50%

Peer Median: -

#167 of 1069 Top 15.5% in 100M-500M tier

223

Loan-to-Member Ratio (LMR)

engagement

Value: $12,593

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

Top Weaknesses (9 metrics)

1067

Total Delinquency Rate (60+ days)

risk

Value: 5.31%

Peer Median: -

#1067 of 1069 Bottom 0.3% in 100M-500M tier

1045

Return on Assets (ROA)

profitability

Value: -0.62%

Peer Median: -

#1045 of 1069 Bottom 2.3% in 100M-500M tier

1020

Asset Growth Rate

growth

Value: -3.38%

Peer Median: -

#1020 of 1069 Bottom 4.7% in 100M-500M tier

1014

Deposit Growth Rate

growth

Value: -3.68%

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

1010

Net Charge-Off Rate

risk

Value: 1.40%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

959

Loan Growth Rate

growth

Value: -5.55%

Peer Median: -

#959 of 1069 Bottom 10.4% in 100M-500M tier

915

Member Growth Rate

growth

Value: -4.07%

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier

901

AMR Growth Rate

growth

Value: -0.53%

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

882

Efficiency Ratio

profitability

Value: 86.59%

Peer Median: -

#882 of 1069 Bottom 17.6% in 100M-500M tier