BlastPoint's Credit Union Scorecard
P S E
Charter #12175 · NJ
P S E has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 5.6% in tier
- + Asset Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Delinquency rate 0.87% above tier average
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - Fee Income Per Member: Bottom 7.1% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,321
+2.2% YoY+0.2% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$13.0M
+10.4% YoY+5.5% QoQ
|
$-17.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$7.2M
-3.0% YoY-2.4% QoQ
|
$-8.1M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$11.1M
+12.4% YoY+6.7% QoQ
|
$-14.7M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA | -0.0% | -0.2% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
1.5%
+7.3% YoY+14.1% QoQ
|
-2.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
90.2%
-10.4% YoY-8.0% QoQ
|
-0.5% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
2.4%
-24.0% YoY-14.5% QoQ
|
+0.9 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
85% |
| Loan To Share |
64.7%
-13.7% YoY-8.5% QoQ
|
+6.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$13,832
+3.5% YoY+2.7% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
50% |
| 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)
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)