BlastPoint's Credit Union Scorecard
FINANCIAL RESOURCES
Charter #6665 · NJ
FINANCIAL RESOURCES has 3 strengths but faces 7 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 11.3% in tier
- + Organic Growth Engine: Top 11.3% in tier
- + Relationship Depth Leader: Top 63.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.6% in tier
- - Efficiency Drag: Bottom 34.2% in tier
- - Credit Risk Growth: Bottom 47.8% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 5.33% above tier (higher cost structure)
- - Delinquency rate 2.54% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in New Jersey.
- Shares and deposits +9.7% year over year ($590M in shares and deposits).
- Membership: 30,848 members, +4.5% vs a year ago.
- Delinquency rate 3.35%.
- Return on assets 0.28%.
- Efficiency ratio 81.89% vs a 76.56% peer average.
- Loan-to-share ratio 88.19% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,848
+4.5% YoY+1.8% QoQ
|
-7.0K |
37,897
-5.0% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
24% |
| Assets |
$659.0M
+6.2% YoY+3.9% QoQ
|
+$36.6M |
$622.4M
+0.6% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$519.9M
+3.7% YoY+7.5% QoQ
|
+$91.4M |
$428.5M
-0.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$589.6M
+9.7% YoY+3.8% QoQ
|
+$49.8M |
$539.8M
+0.9% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.3%
-55.1% YoY+121.1% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.3% in tier |
| NIM |
3.3%
-1.4% YoY+1.8% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
81.9%
+8.3% YoY-3.1% QoQ
|
+5.3% |
76.6%
-3.6% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
3.3%
+51.6% YoY+20.5% QoQ
|
+2.5 |
0.8%
+3.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
88.2%
-5.4% YoY+3.6% QoQ
|
+8.9% |
79.3%
-1.4% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$35,968
+2.2% YoY+3.6% QoQ
|
+$9K |
$27,294
+4.1% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Top 12.7% in tier |
| CD Concentration |
31.9%
-7.3% YoY-10.5% QoQ
|
+7.3% | 24.6% | 14.8% | 20.0% | 76% |
| Indirect Auto % | 2.3% | -11.3% | 13.6% | 1.1% | 7.7% | 40% |
Signature Analysis
Strengths (3)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)