BlastPoint's Credit Union Scorecard
KEARNY MUNICIPAL EMPLOYEES
Charter #10614 ยท NJ
2596 CUs in <100M nationally
101 in NJ
KEARNY MUNICIPAL EMPLOYEES has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 91.95% above tier (higher cost structure)
- - Delinquency rate 4.25% above tier average
- - Member decline: -2.3% YoY
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 1.5% in tier
- - AMR Growth Rate: Bottom 2.5% in tier
- - Loan-to-Share Ratio: Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
- - Total Loans: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
708
-2.3% YoY-0.7% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$6.2M
-21.9% YoY-11.9% QoQ
|
$-23.7M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$798,751
-15.2% YoY-1.5% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.9% in tier |
| Deposits |
$4.7M
-21.8% YoY-14.9% QoQ
|
$-20.7M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
22% |
| ROA |
-0.7%
-41.9% YoY+29.9% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.4% in tier |
| NIM |
0.9%
+261.0% YoY-6.9% QoQ
|
-3.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
173.3%
-68.8% YoY+13.6% QoQ
|
+91.9% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
5.8%
-15.3% YoY+42.9% QoQ
|
+4.2 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 4.9% in tier |
| Loan To Share |
17.0%
+8.3% YoY+15.7% QoQ
|
-44.3% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.3% in tier |
| AMR |
$7,781
-19.0% YoY-12.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
340
Net Worth Ratio
risk
Value:
23.57%
Peer Avg: 16.43%
#340 of 2596
Top 13.1% in <100M tier
Top Weaknesses (17 metrics)
2577
Net Interest Margin (NIM)
profitability
Value:
0.93%
Peer Avg: 3.93%
#2577 of 2596
Bottom 0.8% in <100M tier
2568
Asset Growth Rate
growth
Value:
-21.88%
Peer Avg: 1.82%
#2568 of 2596
Bottom 1.1% in <100M tier
2557
Deposit Growth Rate
growth
Value:
-21.77%
Peer Avg: 16.80%
#2557 of 2596
Bottom 1.5% in <100M tier
2551
Efficiency Ratio
profitability
Value:
173.34%
Peer Avg: 81.39%
#2551 of 2596
Bottom 1.8% in <100M tier
2533
AMR Growth Rate
growth
Value:
-18.99%
Peer Avg: 4.67%
#2533 of 2596
Bottom 2.5% in <100M tier
2506
Loan-to-Share Ratio
balance_sheet
Value:
16.96%
Peer Avg: 61.23%
#2506 of 2596
Bottom 3.5% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2470
Total Delinquency Rate (60+ days)
risk
Value:
5.76%
Peer Avg: 1.51%
#2470 of 2596
Bottom 4.9% in <100M tier
2427
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,128
Peer Avg: $5,488
#2427 of 2596
Bottom 6.5% in <100M tier
2404
Return on Assets (ROA)
profitability
Value:
-0.68%
Peer Avg: 0.68%
#2404 of 2596
Bottom 7.4% in <100M tier