BlastPoint's Credit Union Scorecard
WAKEFERN
Charter #15016 · NJ
WAKEFERN has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.76% above tier average
- + Members Per Employee (MPE): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,226
-2.7% YoY+0.7% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$11.6M
+3.8% YoY+1.6% QoQ
|
$-18.6M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$4.2M
+8.5% YoY-4.7% QoQ
|
$-11.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$8.7M
+2.9% YoY+1.4% QoQ
|
$-16.9M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
1.6%
+8.8% YoY+13.0% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 13.5% in tier |
| NIM |
4.7%
+12.4% YoY+0.4% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
58.8%
-11.0% YoY-1.2% QoQ
|
-23.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 10.2% in tier |
| Delinquency Rate |
0.2%
-61.2% YoY
|
-1.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
47.6%
+5.4% YoY-6.0% QoQ
|
-13.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$10,529
+7.5% YoY-1.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
31% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)