BlastPoint's Credit Union Scorecard
ISRAEL MEMORIAL A M E
Charter #10803 · NJ
2556 CUs in <100M nationally
98 in NJ
ISRAEL MEMORIAL A M E has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.58% above tier average
- + Net Interest Margin 0.94% 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 0.5% in tier
- + Net Worth Ratio: Top 2.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 10.48% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Total Deposits: Bottom 1.9% in tier
- - Total Assets: Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 2.7% in tier
- - Total Loans: Bottom 3.2% in tier
- - Total Members: Bottom 4.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
186
0% YoY+1.6% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 4.1% in tier |
| Assets |
$406,353
+7.2% YoY-0.1% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.5% in tier |
| Loans |
$128,914
-14.2% YoY-7.1% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.1% in tier |
| Deposits |
$240,801
+5.5% YoY+0.2% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.8% in tier |
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| ROA |
4.2%
+121.2% YoY-17.9% QoQ
|
+3.6% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 0.6% in tier |
| NIM |
4.9%
+3.8% YoY-16.7% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
22.1%
-42.8% YoY+9.7% QoQ
|
-60.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate |
12.0%
-53.1% YoY-42.9% QoQ
|
+10.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 1.8% in tier |
| Loan To Share |
53.5%
-18.7% YoY-7.3% QoQ
|
-7.1% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$1,988
-2.3% YoY-4.0% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
13
Efficiency Ratio
profitability
Value:
22.11%
Peer Median: -
#13 of 2556
Top 0.5% in <100M tier
16
Return on Assets (ROA)
profitability
Value:
4.20%
Peer Median: -
#16 of 2556
Top 0.6% in <100M tier
54
Net Worth Ratio
risk
Value:
40.74%
Peer Median: -
#54 of 2556
Top 2.1% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
407
Asset Growth Rate
growth
Value:
7.25%
Peer Median: -
#407 of 2556
Top 15.9% in <100M tier
425
Net Interest Margin (NIM)
profitability
Value:
4.90%
Peer Median: -
#425 of 2556
Top 16.6% in <100M tier
587
Deposit Growth Rate
growth
Value:
5.51%
Peer Median: -
#587 of 2556
Top 22.9% in <100M tier
Top Weaknesses (10 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2510
Total Delinquency Rate (60+ days)
risk
Value:
12.04%
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2509
Total Deposits
balance_sheet
Value:
$240,801
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2492
Total Assets
balance_sheet
Value:
$406,353
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2488
Average Member Relationship (AMR)
engagement
Value:
$1,988
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2476
Total Loans
balance_sheet
Value:
$128,914
Peer Median: -
#2476 of 2556
Bottom 3.2% in <100M tier
2451
Total Members
engagement
Value:
186
Peer Median: -
#2451 of 2556
Bottom 4.1% in <100M tier
2443
Loan-to-Member Ratio (LMR)
engagement
Value:
$693.09
Peer Median: -
#2443 of 2556
Bottom 4.5% in <100M tier
2257
Loan Growth Rate
growth
Value:
-14.19%
Peer Median: -
#2257 of 2556
Bottom 11.7% in <100M tier
2073
Fee Income Per Member
profitability
Value:
$10.98
Peer Median: -
#2073 of 2556
Bottom 18.9% in <100M tier