BlastPoint's Credit Union Scorecard
SAKER SHOP RITE
Charter #15370 · NJ
SAKER SHOP RITE has 3 strengths but faces 12 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
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 0.53% above tier (higher cost structure)
- - Delinquency rate 2.17% above tier average
- - Member decline: -2.5% YoY
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
- - AMR Growth Rate: Bottom 8.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,442
-2.5% YoY-0.1% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$7.5M
-9.4% YoY-2.2% QoQ
|
$-22.3M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$824,255
-4.4% YoY+2.5% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.2% in tier |
| Deposits |
$5.6M
-12.6% YoY-3.0% QoQ
|
$-19.8M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
0.5%
-21.7% YoY-24.9% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.7%
+18.1% YoY+7.6% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
81.9%
+2.3% YoY-2.4% QoQ
|
+0.5% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
3.7%
+122.6% YoY+11.9% QoQ
|
+2.2 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 9.2% in tier |
| Loan To Share |
14.7%
+9.4% YoY+5.6% QoQ
|
-46.5% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$4,462
-9.4% YoY-2.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.6% in tier |
| 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)