BlastPoint's Credit Union Scorecard
JERSEY SHORE
Charter #15483 · NJ
JERSEY SHORE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency ratio 0.25% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,123
-1.1% YoY-1.5% QoQ
|
+977 |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$247.1M
+1.6% YoY+0.7% QoQ
|
+$15.4M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$128.0M
+3.3% YoY-0.2% QoQ
|
$-16.1M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
53% |
| Deposits |
$228.2M
-0.3% YoY+0.7% QoQ
|
+$27.1M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
65% |
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| ROA |
0.9%
+83.2% YoY+4.9% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
3.8%
+8.3% YoY+2.7% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
78.3%
-4.0% YoY+3.0% QoQ
|
+0.3% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.3%
-52.0% YoY-41.1% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
56.1%
+3.5% YoY-0.9% QoQ
|
-14.3% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$22,093
+2.0% YoY+1.8% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
11.7%
-12.1% YoY+53.2% QoQ
|
-12.6% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % |
8.5%
-13.8% YoY-5.1% QoQ
|
-5.3% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)