BlastPoint's Credit Union Scorecard
SAKER SHOP RITE
Charter #15370 · NJ
SAKER SHOP RITE faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Net Charge-Off Rate: Bottom 6.2% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - Total Loans: Bottom 9.9% in tier
- - Deposit Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,438
-1.7% YoY+0.8% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$7.5M
-5.7% YoY+3.4% QoQ
|
$-22.7M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$801,914
+1.2% YoY-8.1% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.9% in tier |
| Deposits |
$5.5M
-7.9% YoY+4.9% QoQ
|
$-20.3M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
-0.5%
-194.9% YoY-194.3% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.3% in tier |
| NIM |
3.7%
+12.7% YoY-5.9% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
89.6%
+3.2% YoY+6.9% QoQ
|
-1.0% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
1.4%
-20.0% YoY-58.3% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
14.5%
+9.9% YoY-12.4% QoQ
|
-44.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.8% in tier |
| AMR |
$4,398
-5.3% YoY+2.3% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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)