BlastPoint's Credit Union Scorecard
KEARNY MUNICIPAL EMPLOYEES
Charter #10614 · NJ
KEARNY MUNICIPAL EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 9.84% above tier (higher cost structure)
- - Delinquency rate 4.52% above tier average
- - Member decline: -2.5% YoY
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 1.0% in tier
- - AMR Growth Rate: Bottom 1.9% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
695
-2.5% YoY-0.6% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$5.6M
-20.9% YoY+1.2% QoQ
|
$-24.7M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$794,134
-2.0% YoY+0.9% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.7% in tier |
| Deposits |
$4.1M
-26.1% YoY+1.6% QoQ
|
$-21.7M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.0%
-105.5% YoY-88.7% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.8% in tier |
| NIM |
2.1%
+106.0% YoY-2.9% QoQ
|
-1.8% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
98.6%
-35.4% YoY+12.0% QoQ
|
+9.8% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
6.1%
+50.6% YoY+364.7% QoQ
|
+4.5 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
19.4%
+32.5% YoY-0.8% QoQ
|
-39.5% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.0% in tier |
| AMR |
$7,028
-21.0% YoY+2.1% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.9% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 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)