BlastPoint's Credit Union Scorecard
FIRST ATLANTIC
Charter #82 · NJ
FIRST ATLANTIC has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.89% above tier average
- + AMR Growth Rate: Top 0.4% in tier
- + Efficiency Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Member decline: -21.7% YoY
- - Member Growth Rate: Bottom 0.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
- Shares and deposits +6.6% year over year ($280M in shares and deposits).
- Membership: 18,512 members, -21.7% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 1.75%.
- Efficiency ratio 58.54% vs a 76.73% peer average.
- Loan-to-share ratio 70.63% vs a 71.54% 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 |
18,512
-21.7% YoY-7.5% QoQ
|
+3.3K |
15,168
-2.6% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$332.2M
+7.5% YoY+0.1% QoQ
|
+$100.2M |
$232.0M
+0.7% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$197.8M
-3.5% YoY+0.0% QoQ
|
+$51.5M |
$146.3M
+0.2% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$280.1M
+6.6% YoY-0.8% QoQ
|
+$79.4M |
$200.7M
+0.2% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
+27.3% YoY+8.5% QoQ
|
+0.9% |
0.9%
+12.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 6.9% in tier |
| NIM |
3.6%
-9.7% YoY+2.4% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
58.5%
-0.3% YoY-3.6% QoQ
|
-18.2% |
76.7%
-0.8% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
0.8%
-34.8% YoY-19.4% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
70.6%
-9.5% YoY+0.9% QoQ
|
-0.9% |
71.5%
-0.3% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$25,814
+30.5% YoY+7.6% QoQ
|
+$707 |
$25,107
+3.2% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
10.2%
+10.3% YoY-5.5% QoQ
|
-14.3% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % |
17.0%
-33.7% YoY-11.3% QoQ
|
+3.3% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)