BlastPoint's Credit Union Scorecard

THE ATLANTIC

Charter #477 · NJ

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

THE ATLANTIC has 2 strengths but faces 12 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 0.19% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.2% in tier
- Membership Headwinds: Bottom 10.9% in tier
- Institutional Decline: Bottom 17.7% in tier
- Efficiency Drag: Bottom 20.7% in tier
- Stagnation Risk: Bottom 21.0% in tier
- Liquidity Strain: Bottom 32.8% in tier
- ROA 0.75% below tier average
- Efficiency ratio 8.01% above tier (higher cost structure)
- Delinquency rate 2.66% above tier average
- Member decline: -3.8% YoY
- Total Delinquency Rate (60+ days): Bottom 1.4% in tier
- Deposit Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	14,925 -3.8% YoY-0.7% QoQ	-703	15,628 -3.4% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	57%
Assets	$243.3M -1.8% YoY+0.0% QoQ	+$12.0M	$231.3M -0.0% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	62%
Loans	$190.3M -2.1% YoY+0.4% QoQ	+$42.5M	$147.8M -1.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	73%
Deposits	$209.7M -2.2% YoY+0.1% QoQ	+$9.5M	$200.3M -0.0% YoY	$98.4M +6.8% YoY	$464.6M +9.3% 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	0.0% -118.3% YoY-86.5% QoQ	-0.7%	0.8% +15.5% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	Bottom 8.0% in tier
NIM	3.8% +11.6% YoY+1.5% QoQ	+0.2%	3.6% +6.9% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	61%
Efficiency Ratio	85.3% -2.0% YoY+4.8% QoQ	+8.0%	77.3% -3.0% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	78%
Delinquency Rate	3.5% +154.6% YoY+137.5% QoQ	+2.7	0.9% +7.6% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	Top 1.4% in tier
Loan To Share	90.7% +0.1% YoY+0.4% QoQ	+18.0%	72.7% -1.5% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	Top 14.3% in tier
AMR	$26,802 +1.7% YoY+0.9% QoQ	+$2K	$24,363 +2.9% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	72%
CD Concentration	21.8% +35.2% YoY+7.5% QoQ	-2.6%	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 (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#7 of 736 • Bottom 0.2% in tier

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

Why This Signature

Delinquency Change (YoY): 2.13% 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

Membership Headwinds

decline

#181 of 550 • Bottom 10.9% in tier

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

Why This Signature

Member Growth (YoY): -3.80%

(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 worsening

Institutional Decline

decline

#140 of 256 • Bottom 17.7% in tier

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

Why This Signature

Total Assets: $243.33M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -3.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.12%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Efficiency Drag

risk

#366 of 521 • Bottom 20.7% in tier

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

Why This Signature

Efficiency Ratio: 85.29%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -3.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk

#347 of 550 • Bottom 21.0% 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): -3.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.12%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 3.51%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

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

Liquidity Strain

risk

#255 of 258 • Bottom 32.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.72%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -2.12%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

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

154

Loan-to-Share Ratio

balance_sheet

Value: 90.72%

Peer Avg: -

#154 of 1077 Top 14.2% in 100M-500M tier

204

Loan-to-Member Ratio (LMR)

engagement

Value: $12,749

Peer Avg: -

#204 of 1077 Top 18.8% in 100M-500M tier

241

Net Worth Ratio

risk

Value: 13.91%

Peer Avg: -

#241 of 1077 Top 22.3% in 100M-500M tier

Top Weaknesses (8 metrics)

1063

Total Delinquency Rate (60+ days)

risk

Value: 3.51%

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

991

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

982

Deposit Growth Rate

growth

Value: -2.20%

Peer Avg: -

#982 of 1077 Bottom 8.9% in 100M-500M tier

963

Asset Growth Rate

growth

Value: -1.76%

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier

922

Member Growth Rate

growth

Value: -3.80%

Peer Avg: -

#922 of 1077 Bottom 14.5% in 100M-500M tier

920

Net Charge-Off Rate

risk

Value: 0.82%

Peer Avg: -

#920 of 1077 Bottom 14.7% in 100M-500M tier

837

Efficiency Ratio

profitability

Value: 85.29%

Peer Avg: -

#837 of 1077 Bottom 22.4% in 100M-500M tier

809

Loan Growth Rate

growth

Value: -2.12%

Peer Avg: -

#809 of 1077 Bottom 25.0% in 100M-500M tier