BlastPoint's Credit Union Scorecard
RIDGEDALE
Charter #5419 · NJ
RIDGEDALE has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 1.1% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Loan-to-Member Ratio (LMR): Top 4.0% in tier
- + Fee Income Per Member: Top 5.2% in tier
- + Total Loans: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Efficiency ratio 25.25% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - First Mortgage Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,745
-4.6% YoY-1.5% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$96.7M
-3.0% YoY-2.3% QoQ
|
+$66.8M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Top 1.2% in tier |
| Loans |
$47.1M
+2.5% YoY+5.4% QoQ
|
+$31.3M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Top 6.6% in tier |
| Deposits |
$87.7M
-3.0% YoY-2.7% QoQ
|
+$62.2M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Top 0.3% in tier |
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| ROA |
-0.4%
-54.0% YoY-18.3% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.2% in tier |
| NIM |
3.3%
+26.3% YoY+5.0% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
106.6%
-12.9% YoY-2.7% QoQ
|
+25.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 7.4% in tier |
| Delinquency Rate |
1.1%
+70.6% YoY-11.3% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
53.7%
+5.7% YoY+8.4% QoQ
|
-7.5% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$35,984
+3.6% YoY+1.5% QoQ
|
+$21K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Top 1.6% in tier |
| CD Concentration |
22.6%
+20.3% YoY+6.7% QoQ
|
-1.8% |
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)
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)