BlastPoint's Credit Union Scorecard
OCNAC #1
Charter #5987 · NJ
OCNAC #1 has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.33% above tier average
- + Net Interest Margin 1.64% above tier average
- + Members Per Employee (MPE): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.71% above tier average
- - Member decline: -3.2% YoY
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
- - Loan-to-Share Ratio: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,127
-3.2% YoY-2.1% QoQ
|
-549 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$7.1M
+3.5% YoY-0.1% QoQ
|
$-23.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$1.6M
-7.9% YoY-8.8% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$6.1M
+2.0% YoY-0.5% QoQ
|
$-19.7M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
1.5%
+48.8% YoY+15.2% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
5.6%
-11.6% YoY-3.9% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
59.8%
+0.3% YoY-4.9% QoQ
|
-30.8% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
4.2%
+75.5% YoY+16.9% QoQ
|
+2.7 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.2% in tier |
| Loan To Share |
26.5%
-9.7% YoY-8.3% QoQ
|
-32.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.5% in tier |
| AMR |
$3,610
+3.0% YoY-0.3% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.4% in tier |
| 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)