BlastPoint's Credit Union Scorecard
ENERGY PEOPLE
Charter #13729 · NJ
ENERGY PEOPLE has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Loan-to-Share Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 12.84% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,087
-1.1% YoY0% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$18.4M
-1.2% YoY+0.8% QoQ
|
$-11.7M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$14.5M
-5.3% YoY-1.3% QoQ
|
$-1.3M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$15.1M
-1.6% YoY+0.9% QoQ
|
$-10.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.2%
+11.0% YoY+4.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.9%
+11.5% YoY+0.7% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
95.4%
-0.5% YoY-0.2% QoQ
|
+12.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.3%
+264.9% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
96.0%
-3.7% YoY-2.2% QoQ
|
+35.4% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 6.0% in tier |
| AMR |
$27,196
-2.4% YoY-0.1% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 5.9% in tier |
| CD Concentration |
34.5%
+0.7% YoY+0.6% QoQ
|
+10.0% | 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)