BlastPoint's Credit Union Scorecard
SAKER SHOP RITE
Charter #15370 · NJ
SAKER SHOP RITE faces 8 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 0.83% below tier average
- - Delinquency rate 2.25% above tier average
- - Net Charge-Off Rate: Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 3.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.7% in tier
- - Total Loans: Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -6.7% year over year ($5.4M in shares and deposits).
- Membership: 1,424 members, -1.4% vs a year ago.
- Delinquency rate 3.80%.
- Return on assets 0.67%.
- Efficiency ratio 86.12% vs a 88.77% peer average.
- Loan-to-share ratio 14.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,424
-1.4% YoY-1.0% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$7.3M
-5.0% YoY-1.8% QoQ
|
$-22.9M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$803,707
-0.1% YoY+0.2% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.8% in tier |
| Deposits |
$5.4M
-6.7% YoY-2.3% QoQ
|
$-20.4M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
24% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+2.6% YoY-237.6% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.9%
+14.7% YoY+6.1% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
86.1%
+2.6% YoY-3.9% QoQ
|
-2.6% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
3.8%
+15.6% YoY+164.2% QoQ
|
+2.2 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.7% in tier |
| Loan To Share |
14.9%
+7.1% YoY+2.6% QoQ
|
-44.0% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.1% in tier |
| AMR |
$4,352
-4.6% YoY-1.0% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.1% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)