BlastPoint's Credit Union Scorecard
METREX
Charter #14172 · NJ
METREX has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.53% above tier average
- + Net Interest Margin 1.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.5% in tier
- + Net Worth Ratio: Top 3.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
405
-2.6% YoY-1.5% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.2% in tier |
| Assets |
$3.6M
-3.3% YoY-2.0% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.6% in tier |
| Loans |
$2.9M
+6.0% YoY-0.5% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$2.3M
-6.9% YoY-3.6% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.4% in tier |
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| ROA |
1.1%
+7.8% YoY-2.9% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
5.0%
+4.3% YoY+1.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 14.1% in tier |
| Efficiency Ratio |
77.6%
-0.9% YoY+1.3% QoQ
|
-5.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.6%
-2.1% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
126.8%
+13.8% YoY+3.2% QoQ
|
+66.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$12,647
+2.6% YoY-0.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration | 0.0% | -24.4% | 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)