BlastPoint's Credit Union Scorecard
METREX
Charter #14172 · NJ
METREX has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.69% below tier average
- - Delinquency rate 0.78% above tier average
- - Member decline: -2.9% YoY
- - Members Per Employee (MPE): Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -5.7% year over year ($2.3M in shares and deposits).
- Membership: 397 members, -2.9% vs a year ago.
- Delinquency rate 2.33%.
- Return on assets 0.80%.
- Efficiency ratio 82.62% vs a 88.77% peer average.
- Loan-to-share ratio 117.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
397
-2.9% YoY+0.5% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 11.0% in tier |
| Assets |
$3.6M
-2.7% YoY-1.2% QoQ
|
$-26.6M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.4% in tier |
| Loans |
$2.7M
-7.2% YoY-5.2% QoQ
|
$-12.7M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$2.3M
-5.7% YoY-2.1% QoQ
|
$-23.5M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-21.6% YoY-28.2% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
4.6%
-5.5% YoY-1.0% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
82.6%
+4.3% YoY+8.7% QoQ
|
-6.1% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
2.3%
+136.3% YoY+331.6% QoQ
|
+0.8 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
117.2%
-1.6% YoY-3.2% QoQ
|
+58.3% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$12,738
-3.7% YoY-4.3% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)