BlastPoint's Credit Union Scorecard

MERCK EMPLOYEES

Charter #1454 · NJ

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 1 in NJ

View Mid-Market leaderboard →

MERCK EMPLOYEES has 6 strengths but faces 16 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 1.0% in tier
+ Share Certificate Concentration (%): Top 4.0% in tier
+ Total Delinquency Rate (60+ days): Top 6.6% in tier
+ Net Charge-Off Rate: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 25.0% in tier
- Deposit Outflow: Bottom 27.8% in tier
- Shrinking Wallet Share: Bottom 60.3% in tier
- Stagnation Risk: Bottom 94.0% in tier
- Accelerating Exit Risk: Bottom 100.0% in tier
- Membership Headwinds: Bottom 100.0% in tier
- ROA 0.51% below tier average
- Net Interest Margin (NIM): Bottom 0.3% in tier
- Total Loans: Bottom 0.3% in tier
- Loan-to-Share Ratio: Bottom 0.3% in tier
- Total Members: Bottom 0.3% in tier
- First Mortgage Concentration (%): Bottom 1.0% in tier
- Fee Income Per Member: Bottom 1.7% in tier
- Deposit Growth Rate: Bottom 4.6% in tier
- Asset Growth Rate: Bottom 8.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	24,104 -0.6% YoY-0.9% QoQ	-73.3K	97,431 -2.4% YoY	7,445 +8.1% YoY	33,374 +5.7% YoY	Bottom 0.0% in tier
Assets	$1.8B -1.7% YoY+0.5% QoQ	+$93.9M	$1.7B +0.9% YoY	$121.0M +10.8% YoY	$561.6M +9.7% YoY	64%
Loans	$217.5M +3.1% YoY+1.2% QoQ	$-1.0B	$1.2B +0.5% YoY	$75.4M +12.2% YoY	$397.0M +8.8% YoY	Bottom 0.0% in tier
Deposits	$1.2B -4.0% YoY+0.4% QoQ	$-218.6M	$1.5B +0.9% YoY	$102.3M +10.2% YoY	$477.3M +9.7% YoY	44%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -146.9% YoY+99.7% QoQ	-0.5%	0.7% +20.9% YoY	0.5% +267.0% YoY	0.7% +15.9% YoY	Bottom 8.6% in tier
NIM	0.6% -450.8% YoY+15.5% QoQ	-2.7%	3.3% +9.2% YoY	3.7% +5.0% YoY	3.8% +5.1% YoY	Bottom 0.0% in tier
Efficiency Ratio	69.0% -92.6% YoY-14.2% QoQ	-5.0%	74.1% -9.5% YoY	84.3% -19.5% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.2% -74.8% YoY-19.5% QoQ	-0.7	0.9% +6.2% YoY	1.7% -6.9% YoY	1.3% -2.1% YoY	Bottom 6.6% in tier
Loan To Share	17.5% +7.4% YoY+0.8% QoQ	-67.3%	84.8% -0.8% YoY	53.4% -2.5% YoY	67.4% -1.7% YoY	Bottom 0.0% in tier
AMR	$60,493 -2.5% YoY+1.4% QoQ	+$31K	$29,428 +2.4% YoY	$16,460 +2.2% YoY	$19,687 +2.0% YoY	Top 1.3% in tier
CD Concentration	12.5% +69.2% YoY+12.5% QoQ	-16.5%	29.0%	14.4%	19.8%	Bottom 3.7% in tier
Indirect Auto %	0.0%	-18.3%	18.3%	1.0%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Wealth Migration Risk

decline

#4 of 13 • Bottom 25.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $60.5K

(Tier: $29.5K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -2.47%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

13 of 378 Mid-Market CUs have this signature | 34 nationally

→ No prior data (13 CUs now) | New qualifier

Deposit Outflow

decline

#6 of 19 • Bottom 27.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.01%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.56%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 CUs now) | New qualifier

Shrinking Wallet Share

decline

#48 of 79 • Bottom 60.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.47%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | Rank worsening

Stagnation Risk

risk

#80 of 85 • Bottom 94.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.56%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 3.06%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.21%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Accelerating Exit Risk

decline

#10 of 10 • Bottom 100.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.56%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.47%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

10 of 378 Mid-Market CUs have this signature | 69 nationally

→ No prior data (10 CUs now) | New qualifier

Membership Headwinds

decline

#85 of 85 • Bottom 100.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.56%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 1268.632

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $60,493

Peer Median: -

#4 of 302 Top 1.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 12.50%

Peer Median: -

#13 of 302 Top 4.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: -

#21 of 302 Top 6.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#29 of 302 Top 9.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.97%

Peer Median: -

#34 of 302 Top 10.9% in 1B-3B tier

Top Weaknesses (11 metrics)

302

Net Interest Margin (NIM)

profitability

Value: 0.56%

Peer Median: -

#302 of 302 Bottom 0.3% in 1B-3B tier

302

Total Loans

balance_sheet

Value: $217.45M

Peer Median: -

#302 of 302 Bottom 0.3% in 1B-3B tier

302

Loan-to-Share Ratio

balance_sheet

Value: 17.53%

Peer Median: -

#302 of 302 Bottom 0.3% in 1B-3B tier

302

Total Members

engagement

Value: 24,104

Peer Median: -

#302 of 302 Bottom 0.3% in 1B-3B tier

300

First Mortgage Concentration (%)

balance_sheet

Value: 78.70%

Peer Median: -

#300 of 302 Bottom 1.0% in 1B-3B tier

298

Fee Income Per Member

profitability

Value: $56.05

Peer Median: -

#298 of 302 Bottom 1.7% in 1B-3B tier

289

Deposit Growth Rate

growth

Value: -4.01%

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

278

Asset Growth Rate

growth

Value: -1.67%

Peer Median: -

#278 of 302 Bottom 8.3% in 1B-3B tier

276

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: -

#276 of 302 Bottom 8.9% in 1B-3B tier

276

Loan-to-Member Ratio (LMR)

engagement

Value: $9,021

Peer Median: -

#276 of 302 Bottom 8.9% in 1B-3B tier