BlastPoint's Credit Union Scorecard
RIDGEDALE
Charter #5419 · NJ
RIDGEDALE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 1.26% below tier average
- - Efficiency ratio 22.11% above tier (higher cost structure)
- - Delinquency rate 0.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,703
-3.3% YoY-0.2% QoQ
|
-11.4K |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 1.4% in tier |
| Assets |
$100.5M
-3.1% YoY+5.9% QoQ
|
$-131.2M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.4% in tier |
| Loans |
$45.9M
-2.4% YoY-2.0% QoQ
|
$-98.2M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.7% in tier |
| Deposits |
$91.3M
-3.2% YoY+6.2% QoQ
|
$-109.8M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.7% in tier |
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| ROA |
-0.5%
+0.3% YoY+68.6% QoQ
|
-1.3% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.9% in tier |
| NIM |
3.3%
+7.4% YoY-2.9% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
100.1%
-14.3% YoY-3.3% QoQ
|
+22.1% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate |
1.3%
+20.1% YoY+12.4% QoQ
|
+0.6 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.9% in tier |
| Loan To Share |
50.3%
+0.9% YoY-7.7% QoQ
|
-20.1% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.4% in tier |
| AMR |
$37,060
+0.4% YoY+3.5% QoQ
|
+$12K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 8.0% in tier |
| CD Concentration |
22.6%
+23.4% YoY+2.6% QoQ
|
-1.6% | 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 (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)