BlastPoint's Credit Union Scorecard
MERCER COUNTY NJ TEACHERS
Charter #1351 · NJ
MERCER COUNTY NJ TEACHERS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.8% in tier
- + Loan Growth Rate: Top 4.8% in tier
- + Efficiency Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.43% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,723
+0.6% YoY+0.4% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$47.5M
+7.8% YoY-2.6% QoQ
|
+$17.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$23.4M
+16.6% YoY+8.2% QoQ
|
+$7.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$41.1M
+5.7% YoY-3.7% QoQ
|
+$15.7M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
2.2%
-10.7% YoY+1.8% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 6.7% in tier |
| NIM |
3.7%
-3.0% YoY+1.2% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
47.2%
+12.0% YoY-0.8% QoQ
|
-34.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate |
1.9%
-11.1% YoY-8.3% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
56.9%
+10.3% YoY+12.3% QoQ
|
-4.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$17,322
+8.8% YoY-0.0% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
15.5%
+18.6% YoY+8.3% QoQ
|
-8.9% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)