BlastPoint's Credit Union Scorecard
B-M S
Charter #9146 · NJ
B-M S has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Efficiency ratio 28.63% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - First Mortgage Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,642
-3.7% YoY-1.7% QoQ
|
+1.0K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$78.4M
-4.8% YoY-2.8% QoQ
|
+$48.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 8.5% in tier |
| Loans |
$19.8M
+7.7% YoY+6.5% QoQ
|
+$4.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$62.5M
-7.3% YoY-3.2% QoQ
|
+$36.8M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 11.0% in tier |
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| ROA |
-0.3%
-33.3% YoY-217.5% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.1% in tier |
| NIM |
1.8%
+20.1% YoY+1.5% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio |
111.2%
-11.7% YoY+28.1% QoQ
|
+28.6% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.5%
-0.0% YoY+329.1% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
31.7%
+16.2% YoY+10.1% QoQ
|
-28.9% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.5% in tier |
| AMR |
$22,593
-0.4% YoY+0.6% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 12.9% in tier |
| CD Concentration |
7.1%
+40.2% YoY+11.9% QoQ
|
-17.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)