BlastPoint's Credit Union Scorecard
ISRAEL MEMORIAL A M E
Charter #10803 · NJ
ISRAEL MEMORIAL A M E has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.91% above tier average
- + Net Interest Margin 0.77% above tier average
- + Efficiency Ratio: Top 0.5% in tier
- + Net Worth Ratio: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 27.18% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 2.3% in tier
- - Total Assets: Bottom 2.4% in tier
- - Total Loans: Bottom 2.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits +0.3% year over year ($243K in shares and deposits).
- Membership: 185 members, +1.1% vs a year ago.
- Delinquency rate 28.73%.
- Return on assets 3.40%.
- Efficiency ratio 30.83% vs a 88.77% peer average.
- Loan-to-share ratio 44.97% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
185
+1.1% YoY-11.9% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 4.1% in tier |
| Assets |
$413,338
+2.0% YoY+0.3% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.3% in tier |
| Loans |
$109,181
-20.8% YoY-7.6% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.7% in tier |
| Deposits |
$242,768
+0.3% YoY+0.1% QoQ
|
$-25.6M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.7% in tier |
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| ROA |
3.4%
-61.6% YoY-38.6% QoQ
|
+1.9% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 3.2% in tier |
| NIM |
4.7%
-58.2% YoY-35.8% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
30.8%
+15.4% YoY+16.7% QoQ
|
-57.9% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
28.7%
+267.9% YoY+590.2% QoQ
|
+27.2 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.6% in tier |
| Loan To Share |
45.0%
-21.1% YoY-7.7% QoQ
|
-13.9% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$1,902
-8.4% YoY+10.8% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)