BlastPoint's Credit Union Scorecard

LIBERTY SAVINGS

Charter #7184 · NJ

1069 CUs in 100M-500M nationally 25 in NJ

LIBERTY SAVINGS has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 10.8% in tier
+ Organic Growth Engine: Top 31.1% in tier
+ Net Interest Margin 1.52% above tier average
+ Strong member growth: 7.3% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 98.3% in tier
- ROA 0.42% below tier average
- Efficiency ratio 4.49% above tier (higher cost structure)
- Delinquency rate 1.55% above tier average
- Average Member Relationship (AMR): Bottom 0.4% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- Net Charge-Off Rate: Bottom 4.3% in tier
- Total Delinquency Rate (60+ days): Bottom 4.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	18,085 +7.3% YoY-0.8% QoQ	+2.6K	15,437 -2.9% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	69%
Assets	$132.1M +9.9% YoY-0.6% QoQ	$-99.7M	$231.9M +1.3% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	21%
Loans	$67.5M +1.7% YoY-0.1% QoQ	$-79.8M	$147.3M -0.1% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	Bottom 14.2% in tier
Deposits	$114.3M +10.5% YoY-0.2% QoQ	$-86.5M	$200.8M +0.8% YoY	$102.3M +10.2% YoY	$477.3M +9.7% YoY	21%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -354.7% YoY-20.6% QoQ	-0.4%	0.8% +18.2% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	21%
NIM	5.1% -4.9% YoY-6.4% QoQ	+1.5%	3.6% +6.7% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	Top 2.2% in tier
Efficiency Ratio	81.5% -6.6% YoY+4.5% QoQ	+4.5%	77.0% -3.1% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	66%
Delinquency Rate	2.4% -14.7% YoY+16.5% QoQ	+1.5	0.9% +4.2% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	Top 4.6% in tier
Loan To Share	59.1% -8.0% YoY+0.1% QoQ	-13.1%	72.2% -1.1% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	21%
AMR	$10,057 -0.2% YoY+0.6% QoQ	$-15K	$24,676 +3.4% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	Bottom 0.3% in tier
CD Concentration	14.5% +0.4% YoY-7.0% QoQ	-9.9%	24.4%	14.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#47 of 426 • Top 10.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.28%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#186 of 595 • Top 31.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.28%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.34%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#529 of 538 • Bottom 98.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.51%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.48% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 7.28%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.12%

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

Member Growth Rate

growth

Value: 7.28%

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

111

Deposit Growth Rate

growth

Value: 10.47%

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

148

Asset Growth Rate

growth

Value: 9.93%

Peer Median: -

#148 of 1069 Top 13.8% in 100M-500M tier

223

Share Certificate Concentration (%)

balance_sheet

Value: 14.51%

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

267

First Mortgage Concentration (%)

balance_sheet

Value: 17.43%

Peer Median: -

#267 of 1069 Top 24.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1066

Average Member Relationship (AMR)

engagement

Value: $10,057

Peer Median: -

#1066 of 1069 Bottom 0.4% in 100M-500M tier

1058

Loan-to-Member Ratio (LMR)

engagement

Value: $3,735

Peer Median: -

#1058 of 1069 Bottom 1.1% in 100M-500M tier

1024

Net Charge-Off Rate

risk

Value: 1.59%

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1021

Total Delinquency Rate (60+ days)

risk

Value: 2.44%

Peer Median: -

#1021 of 1069 Bottom 4.6% in 100M-500M tier

917

Total Loans

balance_sheet

Value: $67.55M

Peer Median: -

#917 of 1069 Bottom 14.3% in 100M-500M tier

884

AMR Growth Rate

growth

Value: -0.23%

Peer Median: -

#884 of 1069 Bottom 17.4% in 100M-500M tier

848

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: -

#848 of 1069 Bottom 20.8% in 100M-500M tier

846

Total Deposits

balance_sheet

Value: $114.33M

Peer Median: -

#846 of 1069 Bottom 21.0% in 100M-500M tier

843

Loan-to-Share Ratio

balance_sheet

Value: 59.08%

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier

840

Total Assets

balance_sheet

Value: $132.13M

Peer Median: -

#840 of 1069 Bottom 21.5% in 100M-500M tier