BlastPoint's Credit Union Scorecard
KEARNY MUNICIPAL EMPLOYEES
Charter #10614 · NJ
2556 CUs in <100M nationally
98 in NJ
KEARNY MUNICIPAL EMPLOYEES has 5 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 8.1% in tier
- + Net Worth Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.30% below tier average
- - Efficiency ratio 75.95% above tier (higher cost structure)
- - Delinquency rate 5.65% above tier average
- - Member decline: -3.5% YoY
- - Deposit Growth Rate: Bottom 0.7% in tier
- - Asset Growth Rate: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Loan-to-Share Ratio: Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
- - Total Loans: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
698
-3.5% YoY-1.4% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$5.5M
-25.9% YoY-10.9% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$776,481
-13.1% YoY-2.8% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.4% in tier |
| Deposits |
$4.0M
-31.6% YoY-14.1% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
-0.7%
-48.0% YoY-0.8% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.5% in tier |
| NIM |
1.2%
+828.0% YoY+24.3% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
158.5%
-86.1% YoY-8.6% QoQ
|
+75.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 1.7% in tier |
| Delinquency Rate |
7.2%
-6.6% YoY+25.1% QoQ
|
+5.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 3.2% in tier |
| Loan To Share |
19.2%
+27.1% YoY+13.2% QoQ
|
-41.4% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.2% in tier |
| AMR |
$6,910
-26.6% YoY-11.2% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
239
Net Worth Ratio
risk
Value:
26.31%
Peer Median: -
#239 of 2556
Top 9.3% in <100M tier
Top Weaknesses (17 metrics)
2538
Deposit Growth Rate
growth
Value:
-31.58%
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2536
Asset Growth Rate
growth
Value:
-25.86%
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2527
AMR Growth Rate
growth
Value:
-26.61%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2526
Net Interest Margin (NIM)
profitability
Value:
1.16%
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2513
Efficiency Ratio
profitability
Value:
158.50%
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2475
Total Delinquency Rate (60+ days)
risk
Value:
7.20%
Peer Median: -
#2475 of 2556
Bottom 3.2% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2446
Loan-to-Share Ratio
balance_sheet
Value:
19.19%
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2402
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,112
Peer Median: -
#2402 of 2556
Bottom 6.1% in <100M tier
2365
Return on Assets (ROA)
profitability
Value:
-0.68%
Peer Median: -
#2365 of 2556
Bottom 7.5% in <100M tier