BlastPoint's Credit Union Scorecard
GARDEN STATE
Charter #14015 · NJ
GARDEN STATE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.01% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 1.05% above tier (higher cost structure)
- - Delinquency rate 1.15% above tier average
- - Member decline: -6.7% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,255
-6.7% YoY-1.5% QoQ
|
+639 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$37.4M
-4.8% YoY-1.5% QoQ
|
+$7.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$25.3M
-2.3% YoY+3.2% QoQ
|
+$9.5M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$33.4M
-5.6% YoY-1.0% QoQ
|
+$7.7M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.5%
+21.5% YoY-5.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
5.0%
+15.2% YoY+1.0% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
83.6%
-5.8% YoY-0.4% QoQ
|
+1.1% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
2.7%
+32.8% YoY-1.1% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.7% in tier |
| Loan To Share |
75.8%
+3.5% YoY+4.2% QoQ
|
+15.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$18,026
+2.7% YoY+2.3% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
15.5%
+5.1% YoY+3.8% QoQ
|
-8.9% | 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)