BlastPoint's Credit Union Scorecard
WAKEFERN
Charter #15016 · NJ
WAKEFERN has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.74% above tier average
- + Net Interest Margin 0.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 5.6% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
- + AMR Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.2% YoY
- - Net Charge-Off Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,217
-6.2% YoY-0.8% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$11.4M
+1.2% YoY+0.6% QoQ
|
$-18.5M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$4.4M
+15.4% YoY+5.6% QoQ
|
$-11.4M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$8.6M
-0.3% YoY+0.1% QoQ
|
$-16.8M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
1.4%
-5.9% YoY+35.9% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.7%
+17.8% YoY+1.0% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
59.5%
-3.0% YoY-3.2% QoQ
|
-21.9% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate |
0.0%
-93.6% YoY-77.9% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
50.7%
+15.7% YoY+5.5% QoQ
|
-10.6% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$10,678
+11.5% YoY+2.7% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
32% |
| 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%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)