BlastPoint's Credit Union Scorecard
MERCER COUNTY IMPROVEMENT AUTHORITY
Charter #1546 · NJ
2596 CUs in <100M nationally
101 in NJ
MERCER COUNTY IMPROVEMENT AUTHORITY has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.91% above tier average
- + 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 Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.59% below tier average
- - Efficiency ratio 40.46% above tier (higher cost structure)
- - Delinquency rate 3.35% above tier average
- - Member decline: -4.7% YoY
- - Total Assets: Bottom 2.4% in tier
- - Net Worth Ratio: Bottom 3.1% in tier
- - Total Deposits: Bottom 3.2% in tier
- - Total Loans: Bottom 4.4% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Total Members: Bottom 4.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- - Asset Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
202
-4.7% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 4.7% in tier |
| Assets |
$384,122
-7.2% YoY-9.4% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.4% in tier |
| Loans |
$212,818
-8.3% YoY+4.5% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.3% in tier |
| Deposits |
$353,067
-6.0% YoY-9.6% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.1% in tier |
| ROA |
-1.9%
-47.5% YoY+38.7% QoQ
|
-2.6% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.3% in tier |
| NIM |
7.8%
+5.3% YoY+1.1% QoQ
|
+3.9% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
121.9%
-3.4% YoY+5.0% QoQ
|
+40.5% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
4.9%
+215.0% YoY+183.9% QoQ
|
+3.3 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 6.4% in tier |
| Loan To Share |
60.3%
-2.4% YoY+15.6% QoQ
|
-1.0% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$2,801
-2.3% YoY-4.8% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.4% 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%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
16
Net Interest Margin (NIM)
profitability
Value:
7.85%
Peer Avg: 3.93%
#16 of 2596
Top 0.6% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (14 metrics)
2534
Total Assets
balance_sheet
Value:
$384,122
Peer Avg: $29.86M
#2534 of 2596
Bottom 2.4% in <100M tier
2516
Net Worth Ratio
risk
Value:
7.51%
Peer Avg: 16.43%
#2516 of 2596
Bottom 3.1% in <100M tier
2515
Total Deposits
balance_sheet
Value:
$353,067
Peer Avg: $25.45M
#2515 of 2596
Bottom 3.2% in <100M tier
2510
Return on Assets (ROA)
profitability
Value:
-1.91%
Peer Avg: 0.68%
#2510 of 2596
Bottom 3.4% in <100M tier
2490
Efficiency Ratio
profitability
Value:
121.86%
Peer Avg: 81.39%
#2490 of 2596
Bottom 4.1% in <100M tier
2484
Total Loans
balance_sheet
Value:
$212,818
Peer Avg: $15.77M
#2484 of 2596
Bottom 4.4% in <100M tier
2483
Average Member Relationship (AMR)
engagement
Value:
$2,801
Peer Avg: $14,627
#2483 of 2596
Bottom 4.4% in <100M tier
2472
Total Members
engagement
Value:
202
Peer Avg: 2,626
#2472 of 2596
Bottom 4.8% in <100M tier
2438
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,054
Peer Avg: $5,488
#2438 of 2596
Bottom 6.1% in <100M tier
2436
Members Per Employee (MPE)
engagement
Value:
101.000
Peer Avg: 365.701
#2436 of 2596
Bottom 6.2% in <100M tier