BlastPoint's Credit Union Scorecard
MERCK EMPLOYEES
Charter #1454 · NJ
MERCK EMPLOYEES has 6 strengths but faces 8 concerns
How does the industry compare?
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How does NJ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 0.1% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
- + Average Member Relationship (AMR): Top 0.7% in tier
- + Share Certificate Concentration (%): Top 3.9% in tier
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 77.4% in tier
- - Stagnation Risk: Bottom 77.4% in tier
- - Membership Headwinds: Bottom 77.4% in tier
- - Shrinking Wallet Share: Bottom 87.1% in tier
- - Deposit Outflow: Bottom 96.1% in tier
- - ROA 0.07% below tier average
- - Total Loans: Bottom 0.3% in tier
- - Total Members: Bottom 0.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,992
-0.7% YoY-0.5% QoQ
|
-72.1K |
96,048
-2.7% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 0.1% in tier |
| Assets |
$1.7B
-8.3% YoY-5.8% QoQ
|
$-7.6M |
$1.7B
+0.4% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$215.5M
+3.1% YoY-0.9% QoQ
|
$-998.2M |
$1.2B
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$1.3B
-3.2% YoY+1.8% QoQ
|
$-202.2M |
$1.5B
+0.5% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
0.6%
-1139.1% YoY+260.9% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
1.0%
+215.8% YoY+81.1% QoQ
|
-2.3% |
3.4%
+6.2% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
42.3%
-62.0% YoY-38.7% QoQ
|
-32.3% |
74.6%
-3.0% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.4%
-35.0% YoY+77.7% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
17.1%
+6.5% YoY-2.7% QoQ
|
-66.1% |
83.2%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.3% in tier |
| AMR |
$61,641
-1.7% YoY+1.9% QoQ
|
+$32K |
$29,652
+2.3% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 1.0% in tier |
| CD Concentration |
12.4%
+51.9% YoY-0.6% QoQ
|
-16.4% | 28.8% | 14.5% | 19.8% | Bottom 3.7% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 1.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)