BlastPoint's Credit Union Scorecard
FINANCIAL RESOURCES
Charter #6665 · NJ
FINANCIAL RESOURCES has 3 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does NJ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 49.2% in tier
- + Organic Growth Engine: Top 74.9% in tier
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.4% in tier
- - Efficiency Drag: Bottom 60.0% in tier
- - Shrinking Wallet Share: Bottom 72.5% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 3.66% above tier (higher cost structure)
- - Delinquency rate 1.97% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - First Mortgage Concentration (%): Bottom 8.5% in tier
- - Share Certificate Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,903
+2.6% YoY+0.5% QoQ
|
-8.7K |
38,575
-4.8% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$617.6M
+0.2% YoY+1.5% QoQ
|
$-4.1M |
$621.7M
+0.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$473.7M
-3.3% YoY-3.5% QoQ
|
+$43.8M |
$429.8M
-1.8% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$552.0M
+4.9% YoY+1.8% QoQ
|
+$13.3M |
$538.7M
+0.6% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.4%
-13.4% YoY-40.8% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.4%
+0.2% YoY+1.2% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
81.2%
+1.6% YoY+5.3% QoQ
|
+3.7% |
77.5%
-4.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
2.8%
+70.6% YoY+2.1% QoQ
|
+2.0 |
0.8%
-1.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 1.2% in tier |
| Loan To Share |
85.8%
-7.8% YoY-5.2% QoQ
|
+6.0% |
79.8%
-2.3% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$34,300
-1.6% YoY-1.2% QoQ
|
+$7K |
$26,849
+2.7% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 14.5% in tier |
| CD Concentration |
37.6%
+12.4% YoY+3.1% QoQ
|
+13.2% | 24.4% | 14.4% | 19.8% | Top 10.1% in tier |
| Indirect Auto % |
0.0%
-65.8% YoY-13.0% QoQ
|
-13.8% | 13.8% | 1.0% | 7.8% | 30% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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)