BlastPoint's Credit Union Scorecard
OCNAC #1
Charter #5987 · NJ
2556 CUs in <100M nationally
98 in NJ
OCNAC #1 has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 1.92% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.05% above tier average
- - Member decline: -5.6% YoY
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,172
-5.6% YoY-0.1% QoQ
|
-443 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$7.1M
+4.7% YoY-1.0% QoQ
|
$-23.1M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$1.8M
-6.4% YoY+3.0% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$6.1M
+3.4% YoY-1.6% QoQ
|
$-19.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
1.3%
+29.6% YoY-3.0% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
5.9%
-10.2% YoY-2.3% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
62.9%
+6.1% YoY+5.9% QoQ
|
-19.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
3.6%
+73.1% YoY+22.7% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 10.0% in tier |
| Loan To Share |
28.9%
-9.5% YoY+4.7% QoQ
|
-31.7% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.4% in tier |
| AMR |
$3,620
+7.0% YoY-0.5% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
18
Members Per Employee (MPE)
engagement
Value:
1086.000
Peer Median: -
#18 of 2556
Top 0.7% in <100M tier
115
Net Interest Margin (NIM)
profitability
Value:
5.88%
Peer Median: -
#115 of 2556
Top 4.5% in <100M tier
379
Efficiency Ratio
profitability
Value:
62.89%
Peer Median: -
#379 of 2556
Top 14.8% in <100M tier
468
AMR Growth Rate
growth
Value:
7.01%
Peer Median: -
#468 of 2556
Top 18.3% in <100M tier
571
Return on Assets (ROA)
profitability
Value:
1.29%
Peer Median: -
#571 of 2556
Top 22.3% in <100M tier
Top Weaknesses (8 metrics)
2429
Loan-to-Member Ratio (LMR)
engagement
Value:
$811.87
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier
2419
Average Member Relationship (AMR)
engagement
Value:
$3,620
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2315
Loan-to-Share Ratio
balance_sheet
Value:
28.91%
Peer Median: -
#2315 of 2556
Bottom 9.5% in <100M tier
2301
Total Delinquency Rate (60+ days)
risk
Value:
3.60%
Peer Median: -
#2301 of 2556
Bottom 10.0% in <100M tier
2270
Net Charge-Off Rate
risk
Value:
1.31%
Peer Median: -
#2270 of 2556
Bottom 11.2% in <100M tier
2192
Member Growth Rate
growth
Value:
-5.61%
Peer Median: -
#2192 of 2556
Bottom 14.3% in <100M tier
2147
Total Loans
balance_sheet
Value:
$1.76M
Peer Median: -
#2147 of 2556
Bottom 16.0% in <100M tier
2142
Fee Income Per Member
profitability
Value:
$7.96
Peer Median: -
#2142 of 2556
Bottom 16.2% in <100M tier