BlastPoint's Credit Union Scorecard
METREX
Charter #14172 ยท NJ
2596 CUs in <100M nationally
101 in NJ
METREX has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 1.01% 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 3.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
411
-1.4% YoY+0.5% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 11.6% in tier |
| Assets |
$3.6M
-2.0% YoY-3.0% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$2.9M
+9.3% YoY-2.1% QoQ
|
$-12.9M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$2.3M
-5.0% YoY-5.2% QoQ
|
$-23.1M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.2% in tier |
| ROA |
1.2%
+23.2% YoY+15.4% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.9%
+3.8% YoY+2.4% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
85% |
| Efficiency Ratio |
76.6%
-4.4% YoY-3.4% QoQ
|
-4.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.6%
-31.7% YoY-42.3% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
45% |
| Loan To Share |
122.8%
+15.1% YoY+3.2% QoQ
|
+61.6% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$12,699
+3.9% YoY-4.0% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
14
Loan-to-Share Ratio
balance_sheet
Value:
122.85%
Peer Avg: 61.23%
#14 of 2596
Top 0.5% in <100M tier
94
Net Worth Ratio
risk
Value:
35.59%
Peer Avg: 16.43%
#94 of 2596
Top 3.6% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
304
Loan Growth Rate
growth
Value:
9.32%
Peer Avg: 59.01%
#304 of 2596
Top 11.7% in <100M tier
401
Net Interest Margin (NIM)
profitability
Value:
4.94%
Peer Avg: 3.93%
#401 of 2596
Top 15.4% in <100M tier
Top Weaknesses (7 metrics)
2368
Members Per Employee (MPE)
engagement
Value:
137.000
Peer Avg: 365.701
#2368 of 2596
Bottom 8.8% in <100M tier
2295
Total Members
engagement
Value:
411
Peer Avg: 2,626
#2295 of 2596
Bottom 11.6% in <100M tier
2253
Total Deposits
balance_sheet
Value:
$2.34M
Peer Avg: $25.45M
#2253 of 2596
Bottom 13.3% in <100M tier
2205
Total Assets
balance_sheet
Value:
$3.64M
Peer Avg: $29.86M
#2205 of 2596
Bottom 15.1% in <100M tier
2143
Deposit Growth Rate
growth
Value:
-4.98%
Peer Avg: 16.80%
#2143 of 2596
Bottom 17.5% in <100M tier
2113
Fee Income Per Member
profitability
Value:
$9.87
Peer Avg: $182.96
#2113 of 2596
Bottom 18.6% in <100M tier
1993
Total Loans
balance_sheet
Value:
$2.88M
Peer Avg: $15.77M
#1993 of 2596
Bottom 23.3% in <100M tier