BlastPoint's Credit Union Scorecard
SAKER SHOP RITE
Charter #15370 · NJ
SAKER SHOP RITE has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 1.33% above tier (higher cost structure)
- - Delinquency rate 1.89% above tier average
- - Member decline: -2.8% YoY
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Loan-to-Share Ratio: Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 6.2% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - AMR Growth Rate: 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 |
1,427
-2.8% YoY-1.0% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$7.2M
-8.7% YoY-4.3% QoQ
|
$-22.9M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$872,482
-1.7% YoY+5.9% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.2% in tier |
| Deposits |
$5.3M
-12.1% YoY-6.1% QoQ
|
$-20.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.5%
-0.4% YoY+5.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.9%
+21.6% YoY+6.8% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
83.9%
+2.2% YoY+2.4% QoQ
|
+1.3% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
3.4%
+36.7% YoY-6.3% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 10.9% in tier |
| Loan To Share |
16.6%
+11.8% YoY+12.8% QoQ
|
-44.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.2% in tier |
| AMR |
$4,301
-8.2% YoY-3.6% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.7% in tier |
| 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)