BlastPoint's Credit Union Scorecard
JERSEY SHORE
Charter #15483 · NJ
JERSEY SHORE has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.1% in tier
- + Organic Growth Leader: Top 27.3% in tier
- + Emerging Performer: Top 97.9% in tier
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Efficiency ratio 0.20% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,475
+1.1% YoY+0.5% QoQ
|
+846 |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$244.0M
+3.3% YoY-0.6% QoQ
|
+$12.7M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$126.9M
+4.7% YoY-1.1% QoQ
|
$-20.9M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$226.7M
+2.0% YoY-1.2% QoQ
|
+$26.4M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
66% |
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 |
0.8%
+27.6% YoY+19.6% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.6%
+13.3% YoY+2.5% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
77.5%
-6.7% YoY-1.4% QoQ
|
+0.2% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.6%
-48.1% YoY-10.0% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
56.0%
+2.6% YoY+0.1% QoQ
|
-16.7% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$21,464
+1.9% YoY-1.6% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
12.4%
-11.5% YoY+7.7% QoQ
|
-12.0% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.4%
-12.8% YoY-0.2% QoQ
|
-4.6% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)