BlastPoint's Credit Union Scorecard
SOUTHERN MIDDLESEX CO TCHRS
Charter #3126 · NJ
SOUTHERN MIDDLESEX CO TCHRS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Members Per Employee (MPE): Top 8.3% in tier
- + Efficiency Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.16% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,912
-1.8% YoY-0.9% QoQ
|
+296 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$45.8M
+2.9% YoY+4.8% QoQ
|
+$15.7M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$12.9M
-2.6% YoY-2.2% QoQ
|
$-2.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$40.8M
+1.3% YoY+5.0% QoQ
|
+$15.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
1.1%
+105.7% YoY+4.0% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
2.6%
+20.3% YoY+2.4% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.1% in tier |
| Efficiency Ratio |
56.9%
-21.5% YoY-1.1% QoQ
|
-25.6% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
2.7%
+450.9% YoY-27.3% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 14.6% in tier |
| Loan To Share |
31.6%
-3.8% YoY-6.8% QoQ
|
-29.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.4% in tier |
| AMR |
$18,433
+2.1% YoY+4.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
27.9%
+12.5% YoY-2.8% QoQ
|
+3.5% | 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)