BlastPoint's Credit Union Scorecard
PUBLIC SERVICE E.D. TRENTON
Charter #10741 ยท NJ
2596 CUs in <100M nationally
101 in NJ
PUBLIC SERVICE E.D. TRENTON has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 1.4% in tier
- + Loan Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Member decline: -13.1% YoY
- - Member Growth Rate: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Total Members: Bottom 6.7% in tier
- - Members Per Employee (MPE): Bottom 8.1% in tier
- - Total Loans: Bottom 8.3% in tier
- - Asset Growth Rate: Bottom 9.6% in tier
- - Total Deposits: 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 |
259
-13.1% YoY-0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 6.6% in tier |
| Assets |
$2.8M
-7.0% YoY-0.7% QoQ
|
$-27.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.6% in tier |
| Loans |
$594,419
+20.8% YoY+0.3% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.3% in tier |
| Deposits |
$1.5M
-12.7% YoY-1.3% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.8% in tier |
| ROA |
0.6%
-252.8% YoY-2.7% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
2.9%
+19.1% YoY+5.3% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
80.4%
-6.5% YoY+2.4% QoQ
|
-1.0% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
38.9%
+38.3% YoY+1.6% QoQ
|
-22.3% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$8,195
+8.9% YoY-0.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
20% |
| 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
38
Net Worth Ratio
risk
Value:
44.81%
Peer Avg: 16.43%
#38 of 2596
Top 1.4% in <100M tier
77
Loan Growth Rate
growth
Value:
20.80%
Peer Avg: 59.01%
#77 of 2596
Top 2.9% in <100M tier
299
AMR Growth Rate
growth
Value:
8.92%
Peer Avg: 4.67%
#299 of 2596
Top 11.5% in <100M tier
Top Weaknesses (14 metrics)
2500
Member Growth Rate
growth
Value:
-13.09%
Peer Avg: 14.92%
#2500 of 2596
Bottom 3.7% in <100M tier
2475
Deposit Growth Rate
growth
Value:
-12.68%
Peer Avg: 16.80%
#2475 of 2596
Bottom 4.7% in <100M tier
2458
Net Charge-Off Rate
risk
Value:
2.13%
Peer Avg: 0.57%
#2458 of 2596
Bottom 5.4% in <100M tier
2423
Total Members
engagement
Value:
259
Peer Avg: 2,626
#2423 of 2596
Bottom 6.7% in <100M tier
2386
Members Per Employee (MPE)
engagement
Value:
129.500
Peer Avg: 365.701
#2386 of 2596
Bottom 8.1% in <100M tier
2381
Total Loans
balance_sheet
Value:
$594,419
Peer Avg: $15.77M
#2381 of 2596
Bottom 8.3% in <100M tier
2349
Asset Growth Rate
growth
Value:
-6.99%
Peer Avg: 1.82%
#2349 of 2596
Bottom 9.6% in <100M tier
2341
Total Deposits
balance_sheet
Value:
$1.53M
Peer Avg: $25.45M
#2341 of 2596
Bottom 9.9% in <100M tier
2269
Total Assets
balance_sheet
Value:
$2.81M
Peer Avg: $29.86M
#2269 of 2596
Bottom 12.6% in <100M tier
2181
Net Interest Margin (NIM)
profitability
Value:
2.93%
Peer Avg: 3.93%
#2181 of 2596
Bottom 16.0% in <100M tier