BlastPoint's Credit Union Scorecard
CRIERS
Charter #5321 · NJ
2596 CUs in <100M nationally
101 in NJ
CRIERS has 7 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -15.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 1.6% in tier
- - Deposit Growth Rate: Bottom 1.6% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Total Members: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Member Growth Rate: Bottom 2.8% in tier
- - Total Loans: Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
- - Total Deposits: Bottom 9.0% in tier
- - Total Assets: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
113
-15.0% YoY-5.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 1.8% in tier |
| Assets |
$1.8M
-16.5% YoY-8.7% QoQ
|
$-28.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.1% in tier |
| Loans |
$164,067
-39.9% YoY-14.8% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.9% in tier |
| Deposits |
$1.4M
-20.7% YoY-11.2% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.9% in tier |
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| ROA |
1.2%
-0.1% YoY-15.3% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
1.7%
-35.9% YoY-16.3% QoQ
|
-2.2% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
30.7%
-45.0% YoY-1.5% QoQ
|
-50.7% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
11.7%
-24.2% YoY-4.1% QoQ
|
-49.5% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.1% in tier |
| AMR |
$13,877
-9.7% YoY-6.1% QoQ
|
$-750 |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration | 0.0% | -24.4% |
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 (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
31
Efficiency Ratio
profitability
Value:
30.70%
Peer Avg: -
#31 of 2596
Top 1.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
374
Net Worth Ratio
risk
Value:
22.98%
Peer Avg: -
#374 of 2596
Top 14.4% in <100M tier
Top Weaknesses (14 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2555
Asset Growth Rate
growth
Value:
-16.54%
Peer Avg: -
#2555 of 2596
Bottom 1.6% in <100M tier
2555
Deposit Growth Rate
growth
Value:
-20.70%
Peer Avg: -
#2555 of 2596
Bottom 1.6% in <100M tier
2554
Loan Growth Rate
growth
Value:
-39.93%
Peer Avg: -
#2554 of 2596
Bottom 1.7% in <100M tier
2549
Total Members
engagement
Value:
113
Peer Avg: -
#2549 of 2596
Bottom 1.8% in <100M tier
2538
Loan-to-Share Ratio
balance_sheet
Value:
11.69%
Peer Avg: -
#2538 of 2596
Bottom 2.3% in <100M tier
2530
Net Interest Margin (NIM)
profitability
Value:
1.74%
Peer Avg: -
#2530 of 2596
Bottom 2.6% in <100M tier
2525
Member Growth Rate
growth
Value:
-15.04%
Peer Avg: -
#2525 of 2596
Bottom 2.8% in <100M tier
2495
Total Loans
balance_sheet
Value:
$164,067
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2390
AMR Growth Rate
growth
Value:
-9.69%
Peer Avg: -
#2390 of 2596
Bottom 8.0% in <100M tier