BlastPoint's Credit Union Scorecard
FIRST ATLANTIC
Charter #82 · NJ
FIRST ATLANTIC has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.88% above tier average
- + AMR Growth Rate: Top 1.2% in tier
- + Efficiency Ratio: Top 9.2% 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
- - Delinquency rate 0.21% above tier average
- - Member decline: -15.3% YoY
- - Member Growth Rate: Bottom 1.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,017
-15.3% YoY-8.6% QoQ
|
+4.9K |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$331.8M
+8.1% YoY+3.1% QoQ
|
+$100.1M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$197.7M
-4.3% YoY-1.2% QoQ
|
+$53.6M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$282.4M
+8.0% YoY+3.3% QoQ
|
+$81.2M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
1.6%
+34.3% YoY+7.0% QoQ
|
+0.9% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 8.6% in tier |
| NIM |
3.6%
-11.7% YoY-9.4% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
60.7%
-2.8% YoY+3.5% QoQ
|
-17.3% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
1.0%
-26.8% YoY-6.7% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
70.0%
-11.4% YoY-4.4% QoQ
|
-0.4% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$23,985
+21.1% YoY+10.9% QoQ
|
$-933 |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
10.8%
+43.2% YoY-5.4% QoQ
|
-13.5% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % |
19.1%
-31.6% YoY-9.6% QoQ
|
+5.3% | 13.8% | 1.0% | 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)