BlastPoint's Credit Union Scorecard
PUBLIC SERVICE E.D. TRENTON
Charter #10741 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
PUBLIC SERVICE E.D. TRENTON has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.09% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -12.7% YoY
- - Fee Income Per Member: Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Member Growth Rate: Bottom 4.1% in tier
- - Total Members: Bottom 5.9% in tier
- - Members Per Employee (MPE): Bottom 7.5% in tier
- - Total Deposits: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
241
-12.7% YoY-2.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 5.8% in tier |
| Assets |
$2.7M
-7.2% YoY-3.7% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.7% in tier |
| Loans |
$602,282
+4.6% YoY-0.5% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.7% in tier |
| Deposits |
$1.4M
-13.2% YoY-6.5% QoQ
|
$-24.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.5% in tier |
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| ROA |
1.2%
+111.7% YoY+85.0% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
3.7%
+35.8% YoY+14.3% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
66.2%
-16.4% YoY-10.2% QoQ
|
-24.4% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
42.6%
+20.5% YoY+6.4% QoQ
|
-15.9% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$8,364
+4.7% YoY-2.4% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| 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)
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
29
Net Worth Ratio
risk
Value:
47.23%
Peer Median: 14.28%
#29 of 2508
Top 1.1% in <100M tier
492
Efficiency Ratio
profitability
Value:
66.21%
Peer Median: 81.45%
#492 of 2508
Top 19.6% in <100M tier
543
Loan Growth Rate
growth
Value:
4.56%
Peer Median: -2.36%
#543 of 2508
Top 21.6% in <100M tier
562
Return on Assets (ROA)
profitability
Value:
1.23%
Peer Median: 0.61%
#562 of 2508
Top 22.4% in <100M tier
Top Weaknesses (12 metrics)
2495
Fee Income Per Member
profitability
Value:
$-0.25
Peer Median: $60.42
#2495 of 2508
Bottom 0.6% in <100M tier
2449
Net Charge-Off Rate
risk
Value:
5.12%
Peer Median: 0.07%
#2449 of 2508
Bottom 2.4% in <100M tier
2410
Deposit Growth Rate
growth
Value:
-13.24%
Peer Median: 0.66%
#2410 of 2508
Bottom 3.9% in <100M tier
2405
Member Growth Rate
growth
Value:
-12.68%
Peer Median: -1.37%
#2405 of 2508
Bottom 4.1% in <100M tier
2362
Total Members
engagement
Value:
241
Peer Median: 1,918
#2362 of 2508
Bottom 5.9% in <100M tier
2320
Members Per Employee (MPE)
engagement
Value:
120.500
Peer Median: 333.750
#2320 of 2508
Bottom 7.5% in <100M tier
2296
Total Deposits
balance_sheet
Value:
$1.41M
Peer Median: $18.77M
#2296 of 2508
Bottom 8.5% in <100M tier
2292
Asset Growth Rate
growth
Value:
-7.22%
Peer Median: 1.30%
#2292 of 2508
Bottom 8.7% in <100M tier
2289
Total Loans
balance_sheet
Value:
$602,282
Peer Median: $9.48M
#2289 of 2508
Bottom 8.8% in <100M tier
2215
Total Assets
balance_sheet
Value:
$2.70M
Peer Median: $21.86M
#2215 of 2508
Bottom 11.7% in <100M tier