BlastPoint's Credit Union Scorecard
PEOPLES TRANSPORT
Charter #12956 · NJ
PEOPLES TRANSPORT has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 19.5% YoY
- + Member Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.28% below tier average
- - Efficiency ratio 37.40% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,609
+19.5% YoY+10.7% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$11.8M
+8.7% YoY-0.8% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$6.7M
+9.3% YoY+10.4% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$10.5M
+10.2% YoY-0.9% QoQ
|
$-15.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
-0.7%
-1005.9% YoY-74.1% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.6% in tier |
| NIM |
3.0%
-23.3% YoY-5.3% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
120.0%
+22.0% YoY+10.9% QoQ
|
+37.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
1.3%
-26.7% YoY-33.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
63.6%
-0.8% YoY+11.5% QoQ
|
+3.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$10,716
-8.1% YoY-6.8% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
52.8%
+4.2% YoY-7.9% QoQ
|
+28.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)