BlastPoint's Credit Union Scorecard
KEARNY MUNICIPAL EMPLOYEES
Charter #10614 · NJ
KEARNY MUNICIPAL EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Worth Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
- - Deposit Growth Rate: Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
699
-3.2% YoY+0.1% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$5.5M
-26.8% YoY-0.4% QoQ
|
$-24.7M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$787,170
-6.3% YoY+1.4% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.8% in tier |
| Deposits |
$4.0M
-32.9% YoY-0.6% QoQ
|
$-21.8M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.3%
-137.5% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
2.1%
+47.5% YoY+83.2% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
88.0%
-11.8% YoY-44.5% QoQ
|
-2.6% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
1.3%
-79.7% YoY-81.9% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
19.6%
+39.6% YoY+1.9% QoQ
|
-38.9% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.9% in tier |
| AMR |
$6,883
-27.3% YoY-0.4% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)