BlastPoint's Credit Union Scorecard
ISRAEL MEMORIAL A M E
Charter #10803 · NJ
2596 CUs in <100M nationally
101 in NJ
ISRAEL MEMORIAL A M E has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.44% above tier average
- + Net Interest Margin 1.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 2.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 19.57% above tier average
- - Member decline: -2.7% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - Total Deposits: Bottom 2.0% in tier
- - Total Assets: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
- - Total Loans: Bottom 3.3% in tier
- - Total Members: Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
183
-2.7% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 4.0% in tier |
| Assets |
$406,660
+8.5% YoY+0.4% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.6% in tier |
| Loans |
$138,694
-11.9% YoY+0.6% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.3% in tier |
| Deposits |
$240,218
+6.3% YoY-0.7% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.0% in tier |
| ROA |
5.1%
+144.5% YoY-42.1% QoQ
|
+4.4% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 0.7% in tier |
| NIM |
5.9%
+5.4% YoY-47.4% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
20.2%
-45.1% YoY-24.5% QoQ
|
-61.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
21.1%
+316.5% YoY+169.9% QoQ
|
+19.6 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 1.1% in tier |
| Loan To Share |
57.7%
-17.2% YoY+1.3% QoQ
|
-3.5% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$2,071
+1.5% YoY-0.3% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.0% in tier |
| 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 (10 metrics)
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
17
Efficiency Ratio
profitability
Value:
20.17%
Peer Avg: 81.39%
#17 of 2596
Top 0.6% in <100M tier
19
Return on Assets (ROA)
profitability
Value:
5.12%
Peer Avg: 0.68%
#19 of 2596
Top 0.7% in <100M tier
62
Net Worth Ratio
risk
Value:
40.25%
Peer Avg: 16.43%
#62 of 2596
Top 2.3% in <100M tier
123
Net Interest Margin (NIM)
profitability
Value:
5.88%
Peer Avg: 3.93%
#123 of 2596
Top 4.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
306
Asset Growth Rate
growth
Value:
8.49%
Peer Avg: 1.82%
#306 of 2596
Top 11.7% in <100M tier
482
Deposit Growth Rate
growth
Value:
6.32%
Peer Avg: 16.80%
#482 of 2596
Top 18.5% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2569
Total Delinquency Rate (60+ days)
risk
Value:
21.08%
Peer Avg: 1.51%
#2569 of 2596
Bottom 1.1% in <100M tier
2544
Total Deposits
balance_sheet
Value:
$240,218
Peer Avg: $25.45M
#2544 of 2596
Bottom 2.0% in <100M tier
2528
Total Assets
balance_sheet
Value:
$406,660
Peer Avg: $29.86M
#2528 of 2596
Bottom 2.7% in <100M tier
2519
Average Member Relationship (AMR)
engagement
Value:
$2,071
Peer Avg: $14,627
#2519 of 2596
Bottom 3.0% in <100M tier
2511
Total Loans
balance_sheet
Value:
$138,694
Peer Avg: $15.77M
#2511 of 2596
Bottom 3.3% in <100M tier
2493
Total Members
engagement
Value:
183
Peer Avg: 2,626
#2493 of 2596
Bottom 4.0% in <100M tier
2470
Loan-to-Member Ratio (LMR)
engagement
Value:
$757.89
Peer Avg: $5,488
#2470 of 2596
Bottom 4.9% in <100M tier
2166
Loan Growth Rate
growth
Value:
-11.93%
Peer Avg: 59.01%
#2166 of 2596
Bottom 16.6% in <100M tier
2065
Fee Income Per Member
profitability
Value:
$11.97
Peer Avg: $182.96
#2065 of 2596
Bottom 20.5% in <100M tier