BlastPoint's Credit Union Scorecard
NORTH JERSEY
Charter #1015 · NJ
NORTH JERSEY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 5.2% in tier
- + Organic Growth Engine: Top 44.6% in tier
- + Strong member growth: 13.3% YoY
- + Member Growth Rate: Top 2.7% in tier
- + Total Members: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 14.5% in tier
- - Efficiency Drag: Bottom 45.8% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 13.42% above tier (higher cost structure)
- - Delinquency rate 0.20% above tier average
- - AMR Growth Rate: Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,665
+13.3% YoY+0.2% QoQ
|
+12.2K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 9.2% in tier |
| Assets |
$252.6M
+8.6% YoY+1.7% QoQ
|
+$20.7M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$154.0M
+2.3% YoY-0.5% QoQ
|
+$6.6M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$232.3M
+7.7% YoY+1.8% QoQ
|
+$31.4M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.2%
+181.0% YoY-46.2% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.6% in tier |
| NIM |
3.5%
-1.6% YoY-2.8% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
90.4%
-0.1% YoY+2.4% QoQ
|
+13.4% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
1.1%
-9.6% YoY+53.0% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
66.3%
-5.1% YoY-2.3% QoQ
|
-5.9% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$13,960
-7.0% YoY+0.6% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.3% in tier |
| CD Concentration |
11.1%
+5.5% YoY-0.4% QoQ
|
-13.3% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
0.3%
-63.9% YoY-19.7% QoQ
|
-13.5% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)