BlastPoint's Credit Union Scorecard
CENTRAL JERSEY
Charter #1108 · NJ
CENTRAL JERSEY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 2.3% in tier
- + Total Assets: Top 2.8% in tier
- + Total Loans: Top 7.5% in tier
- + Fee Income Per Member: Top 8.0% in tier
- + Total Members: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.40% above tier (higher cost structure)
- - Member decline: -4.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,021
-4.3% YoY-2.0% QoQ
|
+3.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 9.1% in tier |
| Assets |
$92.6M
-0.7% YoY+2.1% QoQ
|
+$62.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 2.9% in tier |
| Loans |
$45.0M
+4.4% YoY+1.0% QoQ
|
+$29.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 7.6% in tier |
| Deposits |
$81.6M
-1.7% YoY+2.2% QoQ
|
+$56.0M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 2.4% in tier |
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| ROA |
0.7%
+24.8% YoY+67.0% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
3.7%
-0.7% YoY+1.9% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
84.0%
+4.7% YoY-4.3% QoQ
|
+1.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.7%
+7.0% YoY-40.5% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
55.1%
+6.2% YoY-1.1% QoQ
|
-5.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$21,035
+4.9% YoY+3.8% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
0.6%
-11.8% YoY-0.6% QoQ
|
-23.8% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)