BlastPoint's Credit Union Scorecard
MERCER COUNTY NJ TEACHERS
Charter #1351 · NJ
MERCER COUNTY NJ TEACHERS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.3% in tier
- + Members Per Employee (MPE): Top 3.8% in tier
- + Loan Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.47% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,717
+0.7% YoY-0.2% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$49.2M
+8.3% YoY+3.8% QoQ
|
+$19.1M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$23.2M
+14.5% YoY-0.7% QoQ
|
+$7.5M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$42.3M
+5.9% YoY+2.8% QoQ
|
+$16.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
2.2%
-11.4% YoY+0.4% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 5.4% in tier |
| NIM |
3.7%
-3.7% YoY-0.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
46.8%
+6.0% YoY-0.8% QoQ
|
-35.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
2.0%
-10.8% YoY+4.8% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
54.9%
+8.1% YoY-3.4% QoQ
|
-5.7% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$17,621
+8.0% YoY+1.7% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
17.6%
+24.0% YoY+13.3% QoQ
|
-6.8% | 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)