BlastPoint's Credit Union Scorecard
PUBLIC SERVICE E.D. TRENTON
Charter #10741 · NJ
2556 CUs in <100M nationally
98 in NJ
PUBLIC SERVICE E.D. TRENTON has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 Worth Ratio: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -14.5% YoY
- - Member Growth Rate: Bottom 2.7% in tier
- - Total Members: Bottom 6.1% in tier
- - Deposit Growth Rate: Bottom 7.3% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
- - Total Loans: Bottom 8.4% in tier
- - Total Deposits: Bottom 9.4% in tier
- - Net Charge-Off Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
247
-14.5% YoY-4.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$2.8M
-5.0% YoY-0.3% QoQ
|
$-27.3M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.2% in tier |
| Loans |
$605,374
+1.3% YoY+1.8% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.3% in tier |
| Deposits |
$1.5M
-9.8% YoY-1.1% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.4% in tier |
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| ROA |
0.7%
-329.9% YoY+10.5% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.2%
+25.9% YoY+9.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
73.7%
-17.2% YoY-8.3% QoQ
|
-8.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
40.1%
+12.3% YoY+3.0% QoQ
|
-20.6% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$8,569
+9.0% YoY+4.6% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
21% |
| 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
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
34
Net Worth Ratio
risk
Value:
45.18%
Peer Median: -
#34 of 2556
Top 1.3% in <100M tier
302
AMR Growth Rate
growth
Value:
8.97%
Peer Median: -
#302 of 2556
Top 11.8% in <100M tier
Top Weaknesses (14 metrics)
2487
Member Growth Rate
growth
Value:
-14.53%
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2401
Total Members
engagement
Value:
247
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2371
Deposit Growth Rate
growth
Value:
-9.79%
Peer Median: -
#2371 of 2556
Bottom 7.3% in <100M tier
2357
Members Per Employee (MPE)
engagement
Value:
123.500
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2343
Total Loans
balance_sheet
Value:
$605,374
Peer Median: -
#2343 of 2556
Bottom 8.4% in <100M tier
2316
Total Deposits
balance_sheet
Value:
$1.51M
Peer Median: -
#2316 of 2556
Bottom 9.4% in <100M tier
2314
Net Charge-Off Rate
risk
Value:
1.46%
Peer Median: -
#2314 of 2556
Bottom 9.5% in <100M tier
2245
Total Assets
balance_sheet
Value:
$2.80M
Peer Median: -
#2245 of 2556
Bottom 12.2% in <100M tier
2205
Asset Growth Rate
growth
Value:
-4.98%
Peer Median: -
#2205 of 2556
Bottom 13.8% in <100M tier
2114
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,451
Peer Median: -
#2114 of 2556
Bottom 17.3% in <100M tier