BlastPoint's Credit Union Scorecard
NORTH JERSEY
Charter #1015 · NJ
NORTH JERSEY has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.7% in tier
- + Organic Growth Engine: Top 12.3% in tier
- + Net Interest Margin 0.06% above tier average
- + Strong member growth: 13.4% YoY
- + Member Growth Rate: Top 2.9% in tier
- + Total Members: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 4.7% in tier
- - Efficiency Drag: Bottom 20.9% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 11.01% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.5% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,604
+13.4% YoY+11.8% QoQ
|
+12.0K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 9.7% in tier |
| Assets |
$248.3M
+8.6% YoY+6.8% QoQ
|
+$17.0M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$154.7M
+4.6% YoY+6.3% QoQ
|
+$6.9M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$228.2M
+8.0% YoY+6.6% QoQ
|
+$27.9M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
66% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+246.6% YoY+41.0% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.6%
+2.6% YoY+0.5% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
88.3%
-1.7% YoY-3.0% QoQ
|
+11.0% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate |
0.7%
-38.4% YoY-10.2% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
67.8%
-3.2% YoY-0.3% QoQ
|
-4.9% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$13,871
-6.0% YoY-4.8% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
11.1%
+5.1% YoY-1.5% QoQ
|
-13.3% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.3%
-63.2% YoY-26.9% QoQ
|
-13.6% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)