BlastPoint's Credit Union Scorecard
ISRAEL MEMORIAL A M E
Charter #10803 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
ISRAEL MEMORIAL A M E has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 5.39% above tier average
- + Net Interest Margin 3.27% above tier average
- + Strong member growth: 15.4% YoY
- + Efficiency Ratio: Top 0.8% in tier
- + Net Worth Ratio: Top 2.0% in tier
- + Member Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.66% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Total Assets: Bottom 2.6% in tier
- - Total Loans: Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
210
+15.4% YoY+12.9% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 4.9% in tier |
| Assets |
$412,258
+5.1% YoY+1.5% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.5% in tier |
| Loans |
$118,175
-18.7% YoY-8.3% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.0% in tier |
| Deposits |
$242,501
+4.0% YoY+0.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.7% in tier |
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| ROA |
5.5%
-39.8% YoY+31.7% QoQ
|
+5.4% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 0.5% in tier |
| NIM |
7.3%
-40.4% YoY+48.6% QoQ
|
+3.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
26.4%
-16.6% YoY+19.4% QoQ
|
-64.2% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
4.2%
-42.6% YoY-65.4% QoQ
|
+2.7 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.4% in tier |
| Loan To Share |
48.7%
-21.9% YoY-9.0% QoQ
|
-9.8% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$1,718
-17.4% YoY-13.6% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.2% 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)
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 (10 metrics)
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
13
Return on Assets (ROA)
profitability
Value:
5.54%
Peer Median: 0.61%
#13 of 2508
Top 0.5% in <100M tier
20
Efficiency Ratio
profitability
Value:
26.41%
Peer Median: 81.45%
#20 of 2508
Top 0.8% in <100M tier
24
Net Interest Margin (NIM)
profitability
Value:
7.27%
Peer Median: 3.83%
#24 of 2508
Top 0.9% in <100M tier
51
Net Worth Ratio
risk
Value:
41.18%
Peer Median: 14.28%
#51 of 2508
Top 2.0% in <100M tier
60
Member Growth Rate
growth
Value:
15.38%
Peer Median: -1.37%
#60 of 2508
Top 2.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
584
Asset Growth Rate
growth
Value:
5.13%
Peer Median: 1.30%
#584 of 2508
Top 23.2% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2465
Total Deposits
balance_sheet
Value:
$242,501
Peer Median: $18.77M
#2465 of 2508
Bottom 1.8% in <100M tier
2454
Average Member Relationship (AMR)
engagement
Value:
$1,718
Peer Median: $13,926
#2454 of 2508
Bottom 2.2% in <100M tier
2450
AMR Growth Rate
growth
Value:
-17.40%
Peer Median: 1.27%
#2450 of 2508
Bottom 2.4% in <100M tier
2445
Total Assets
balance_sheet
Value:
$412,258
Peer Median: $21.86M
#2445 of 2508
Bottom 2.6% in <100M tier
2432
Total Loans
balance_sheet
Value:
$118,175
Peer Median: $9.48M
#2432 of 2508
Bottom 3.1% in <100M tier
2406
Loan-to-Member Ratio (LMR)
engagement
Value:
$562.74
Peer Median: $4,923
#2406 of 2508
Bottom 4.1% in <100M tier
2384
Total Members
engagement
Value:
210
Peer Median: 1,918
#2384 of 2508
Bottom 5.0% in <100M tier
2324
Total Delinquency Rate (60+ days)
risk
Value:
4.16%
Peer Median: 0.65%
#2324 of 2508
Bottom 7.4% in <100M tier
2317
Loan Growth Rate
growth
Value:
-18.71%
Peer Median: -2.36%
#2317 of 2508
Bottom 7.7% in <100M tier