BlastPoint's Credit Union Scorecard
HOBOKEN SCHOOL EMPLOYEES
Charter #2155 · NJ
HOBOKEN SCHOOL EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.4% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 2.96% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 1.7% in tier
- - Net Interest Margin (NIM): Bottom 2.2% in tier
- - Share Certificate Concentration (%): Bottom 2.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,508
-1.9% YoY-1.0% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$72.4M
+4.9% YoY+0.3% QoQ
|
+$42.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 11.4% in tier |
| Loans |
$25.9M
-1.8% YoY+0.4% QoQ
|
+$10.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$56.5M
+5.7% YoY+0.1% QoQ
|
+$30.8M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 14.2% in tier |
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| ROA |
0.2%
+4112.3% YoY+8.1% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
1.6%
+17.5% YoY+0.1% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
85.5%
-13.1% YoY-0.2% QoQ
|
+3.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.0%
-0.3% YoY+2.9% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
45.7%
-7.1% YoY+0.4% QoQ
|
-14.9% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$54,641
+5.2% YoY+1.2% QoQ
|
+$40K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 0.4% in tier |
| CD Concentration |
54.1%
-0.8% YoY-1.9% QoQ
|
+29.7% | 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)