BlastPoint's Credit Union Scorecard
MERCER COUNTY NJ TEACHERS
Charter #1351 · NJ
MERCER COUNTY NJ TEACHERS has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.78% above tier average
- + Efficiency Ratio: Top 3.6% in tier
- + Members Per Employee (MPE): Top 3.9% in tier
- + Loan Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,703
+0.2% YoY-0.4% QoQ
|
+1.0K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$50.7M
+6.7% YoY+2.9% QoQ
|
+$20.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$22.8M
+12.5% YoY-1.6% QoQ
|
+$7.6M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$43.5M
+4.2% YoY+2.9% QoQ
|
+$17.7M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
1.9%
-7.4% YoY-11.1% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 7.5% in tier |
| NIM |
3.5%
-4.2% YoY-5.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
46.9%
-2.7% YoY+0.1% QoQ
|
-43.7% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
2.0%
-12.7% YoY-2.0% QoQ
|
+0.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
52.5%
+8.0% YoY-4.3% QoQ
|
-6.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$17,920
+6.7% YoY+1.7% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
69% |
| CD Concentration |
18.2%
+22.1% YoY+3.2% QoQ
|
-6.1% | 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)