BlastPoint's Credit Union Scorecard
PEOPLES TRANSPORT
Charter #12956 · NJ
2596 CUs in <100M nationally
101 in NJ
PEOPLES TRANSPORT has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.7% in tier
- + Deposit Growth Rate: Top 4.9% in tier
- + Asset Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.24% below tier average
- - Efficiency ratio 26.78% above tier (higher cost structure)
- - Delinquency rate 0.47% above tier average
- - Share Certificate Concentration (%): Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 8.2% in tier
- - Fee Income Per Member: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,453
+7.5% YoY+4.9% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$11.9M
+11.1% YoY-3.6% QoQ
|
$-18.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$6.1M
+7.5% YoY+4.1% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$10.6M
+13.1% YoY-3.8% QoQ
|
$-14.8M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
38% |
| ROA |
-2.6%
-880.1% YoY+4895.0% QoQ
|
-3.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.5% in tier |
| NIM |
3.2%
-20.8% YoY+6.6% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
108.2%
+17.8% YoY+6.5% QoQ
|
+26.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 6.8% in tier |
| Delinquency Rate |
2.0%
+68.1% YoY+103.3% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
57.1%
-5.0% YoY+8.2% QoQ
|
-4.2% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$11,498
+3.2% YoY-5.7% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
57.4%
+15.5% YoY+9.6% QoQ
|
+33.0% |
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 (6 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
124
Member Growth Rate
growth
Value:
7.55%
Peer Avg: 14.92%
#124 of 2596
Top 4.7% in <100M tier
129
Deposit Growth Rate
growth
Value:
13.12%
Peer Avg: 16.80%
#129 of 2596
Top 4.9% in <100M tier
170
Asset Growth Rate
growth
Value:
11.12%
Peer Avg: 1.82%
#170 of 2596
Top 6.5% in <100M tier
390
Loan Growth Rate
growth
Value:
7.48%
Peer Avg: 59.01%
#390 of 2596
Top 15.0% in <100M tier
Top Weaknesses (8 metrics)
2551
Share Certificate Concentration (%)
balance_sheet
Value:
57.37%
Peer Avg: 15.37%
#2551 of 2596
Bottom 1.8% in <100M tier
2532
Return on Assets (ROA)
profitability
Value:
-2.56%
Peer Avg: 0.68%
#2532 of 2596
Bottom 2.5% in <100M tier
2420
Efficiency Ratio
profitability
Value:
108.18%
Peer Avg: 81.39%
#2420 of 2596
Bottom 6.8% in <100M tier
2384
Net Charge-Off Rate
risk
Value:
1.55%
Peer Avg: 0.57%
#2384 of 2596
Bottom 8.2% in <100M tier
2382
Fee Income Per Member
profitability
Value:
$1.36
Peer Avg: $182.96
#2382 of 2596
Bottom 8.3% in <100M tier
2113
Net Worth Ratio
risk
Value:
10.24%
Peer Avg: 16.43%
#2113 of 2596
Bottom 18.6% in <100M tier
2060
Total Delinquency Rate (60+ days)
risk
Value:
1.97%
Peer Avg: 1.51%
#2060 of 2596
Bottom 20.7% in <100M tier
1968
Net Interest Margin (NIM)
profitability
Value:
3.21%
Peer Avg: 3.93%
#1968 of 2596
Bottom 24.2% in <100M tier