BlastPoint's Credit Union Scorecard

FIRST ATLANTIC

Charter #82 · NJ

1077 CUs in 100M-500M nationally 25 in NJ

FIRST ATLANTIC has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 41.0% in tier
+ Wallet Share Momentum: Top 88.8% in tier
+ ROA 0.76% above tier average
+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 1.5% in tier
- Institutional Decline: Bottom 2.5% in tier
- Membership Headwinds: Bottom 6.1% in tier
- Indirect Auto Dependency: Bottom 6.9% in tier
- Delinquency rate 0.10% above tier average
- Member decline: -5.6% YoY
- Loan Growth Rate: Bottom 5.9% in tier
- Member Growth Rate: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	22,876 -5.6% YoY-3.2% QoQ	+7.2K	15,628 -3.4% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	83%
Assets	$311.5M +6.7% YoY+0.8% QoQ	+$80.2M	$231.3M -0.0% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	75%
Loans	$198.5M -7.9% YoY-3.2% QoQ	+$50.7M	$147.8M -1.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	75%
Deposits	$264.2M +6.2% YoY+0.6% QoQ	+$63.9M	$200.3M -0.0% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% -3.8% YoY+12.3% QoQ	+0.8%	0.8% +15.5% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	Top 11.1% in tier
NIM	4.0% -8.3% YoY-0.4% QoQ	+0.4%	3.6% +6.9% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	73%
Efficiency Ratio	57.1% -4.3% YoY-2.7% QoQ	-20.2%	77.3% -3.0% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	Bottom 5.5% in tier
Delinquency Rate	1.0% -42.4% YoY-20.6% QoQ	+0.1	0.9% +7.6% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	68%
Loan To Share	75.1% -13.3% YoY-3.7% QoQ	+2.4%	72.7% -1.5% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	52%
AMR	$20,226 +5.5% YoY+2.2% QoQ	$-4K	$24,363 +2.9% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	37%
CD Concentration	10.1% +40.0% YoY+8.9% QoQ	-14.3%	24.4% +4.2% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	23.7% -25.8% YoY-7.5% QoQ	+9.7%	14.0% -5.7% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Profitability Leader

growth

#140 of 340 • Top 41.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.54%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.06% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#427 of 481 • Top 88.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.51%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#26 of 550 • Bottom 1.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -7.94%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.96%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#21 of 256 • Bottom 2.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $311.47M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -5.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -7.94%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#102 of 550 • Bottom 6.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#112 of 525 • Bottom 6.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.74%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 23.68%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -5.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 57.09%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

117

Share Certificate Concentration (%)

balance_sheet

Value: 10.08%

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

120

Return on Assets (ROA)

profitability

Value: 1.54%

Peer Avg: -

#120 of 1077 Top 11.0% in 100M-500M tier

121

Members Per Employee (MPE)

engagement

Value: 448.549

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

185

Total Members

engagement

Value: 22,876

Peer Avg: -

#185 of 1077 Top 17.1% in 100M-500M tier

268

Total Assets

balance_sheet

Value: $311.47M

Peer Avg: -

#268 of 1077 Top 24.8% in 100M-500M tier

269

Total Loans

balance_sheet

Value: $198.49M

Peer Avg: -

#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1014

Loan Growth Rate

growth

Value: -7.94%

Peer Avg: -

#1014 of 1077 Bottom 5.9% in 100M-500M tier

987

Member Growth Rate

growth

Value: -5.58%

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

904

Fee Income Per Member

profitability

Value: $102.93

Peer Avg: -

#904 of 1077 Bottom 16.2% in 100M-500M tier

833

Indirect Auto Concentration (%)

balance_sheet

Value: 23.68%

Peer Avg: -

#833 of 1077 Bottom 22.7% in 100M-500M tier