BlastPoint's Credit Union Scorecard
FINANCIAL RESOURCES
Charter #6665 · NJ
FINANCIAL RESOURCES has 2 strengths but faces 7 concerns
How does the industry compare?
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How does NJ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 17.3% in tier
- + Organic Growth Engine: Top 17.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.2% in tier
- - Efficiency Drag: Bottom 28.6% in tier
- - Shrinking Wallet Share: Bottom 87.7% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 6.16% above tier (higher cost structure)
- - Delinquency rate 2.07% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,297
+3.6% YoY+1.3% QoQ
|
-7.8K |
38,079
-4.8% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$634.2M
+4.2% YoY+2.7% QoQ
|
+$14.6M |
$619.7M
-0.2% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$483.6M
-0.7% YoY+2.1% QoQ
|
+$64.2M |
$419.3M
-1.4% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$568.1M
+4.3% YoY+2.9% QoQ
|
+$28.6M |
$539.5M
-0.1% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.1%
-48.5% YoY-63.6% QoQ
|
-0.6% |
0.7%
+36.0% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.0% in tier |
| NIM |
3.2%
-1.9% YoY-5.1% QoQ
|
-0.3% |
3.5%
+4.5% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
84.5%
+1.7% YoY+4.2% QoQ
|
+6.2% |
78.4%
-3.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
2.8%
+72.8% YoY-1.1% QoQ
|
+2.1 |
0.7%
-0.9% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
85.1%
-4.8% YoY-0.8% QoQ
|
+7.5% |
77.7%
-1.2% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$34,710
-1.6% YoY+1.2% QoQ
|
+$8K |
$26,927
+3.1% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 13.2% in tier |
| CD Concentration |
35.7%
+15.2% YoY-5.1% QoQ
|
+11.4% | 24.3% | 14.5% | 19.8% | Top 13.4% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 30% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)