BlastPoint's Credit Union Scorecard
CRIERS
Charter #5321 · NJ
CRIERS faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 3.46% below tier average
- - Delinquency rate 92.87% above tier average
- - Member decline: -15.3% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- - Loan Growth Rate: Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
105
-15.3% YoY-1.9% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 1.4% in tier |
| Assets |
$1.7M
-17.9% YoY+0.0% QoQ
|
$-28.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.3% in tier |
| Loans |
$110,494
-50.7% YoY-12.4% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.8% in tier |
| Deposits |
$1.3M
-20.9% YoY+1.2% QoQ
|
$-24.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.4% in tier |
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| ROA |
-3.3%
-218.0% YoY-1065.0% QoQ
|
-3.5% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.0% in tier |
| NIM |
-0.1%
-102.7% YoY-111.0% QoQ
|
-4.1% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio | - | - |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
- |
| Delinquency Rate | 94.4% | +92.9 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.5% in tier |
| Loan To Share |
8.3%
-37.7% YoY-13.4% QoQ
|
-50.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.7% in tier |
| AMR |
$13,711
-10.8% YoY+1.9% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)