BlastPoint's Credit Union Scorecard
METREX
Charter #14172 · NJ
METREX has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.97% above tier average
- + Net Interest Margin 0.59% above tier average
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
- - Members Per Employee (MPE): Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
395
-3.7% YoY-2.5% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 10.8% in tier |
| Assets |
$3.7M
-0.3% YoY+3.6% QoQ
|
$-26.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.9% in tier |
| Loans |
$2.9M
+3.0% YoY+0.5% QoQ
|
$-12.4M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$2.4M
-2.3% YoY+5.3% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.9% in tier |
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| ROA |
1.1%
+80.6% YoY-2.6% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
73% |
| NIM |
4.6%
-0.7% YoY-8.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
76.0%
-12.6% YoY-2.0% QoQ
|
-14.6% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
37% |
| Delinquency Rate |
0.5%
-14.0% YoY-3.2% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
121.0%
+5.3% YoY-4.6% QoQ
|
+62.5% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 0.4% in tier |
| AMR |
$13,308
+4.3% YoY+5.2% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)