BlastPoint's Credit Union Scorecard
B-M S
Charter #9146 · NJ
B-M S has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 3.6% in tier
- + Total Assets: Top 5.0% in tier
- + Total Deposits: Top 6.5% in tier
- + Average Member Relationship (AMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 4.15% above tier (higher cost structure)
- - Member decline: -6.8% YoY
- - Net Interest Margin (NIM): Bottom 2.8% in tier
- - First Mortgage Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,591
-6.8% YoY-1.4% QoQ
|
+914 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$86.1M
-4.8% YoY+9.9% QoQ
|
+$55.9M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 5.0% in tier |
| Loans |
$20.3M
+19.7% YoY+2.5% QoQ
|
+$5.0M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$70.3M
-6.5% YoY+12.5% QoQ
|
+$44.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 6.6% in tier |
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| ROA |
-0.2%
+1.6% YoY-19.7% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
1.8%
-0.2% YoY-0.0% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio |
94.8%
-15.3% YoY-14.8% QoQ
|
+4.2% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.5%
+659.1% YoY+10.5% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
28.9%
+28.0% YoY-8.8% QoQ
|
-29.6% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.4% in tier |
| AMR |
$25,221
+5.5% YoY+11.6% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 8.3% in tier |
| CD Concentration |
6.9%
+49.9% YoY-1.8% QoQ
|
-17.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)