BlastPoint's Credit Union Scorecard

H. E. TELEPHONE

Charter #17569 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

H. E. TELEPHONE faces 2 concerns requiring attention

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.13% below tier average
- Efficiency ratio 3.29% 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	2,660 -2.0% YoY-0.9% QoQ	-16	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	63%
Assets	$46.1M -3.5% YoY+0.5% QoQ	+$15.9M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	75%
Loans	$22.9M -3.7% YoY-0.9% QoQ	+$7.6M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	75%
Deposits	$39.0M -4.3% YoY+0.5% QoQ	+$13.2M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -94.6% YoY-83.6% QoQ	-0.1%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	22%
NIM	2.8% -4.6% YoY-3.0% QoQ	-1.2%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	Bottom 13.6% in tier
Efficiency Ratio	93.9% +11.9% YoY+4.4% QoQ	+3.3%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	1.0% +250.2% YoY+46.0% QoQ	-0.5	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	63%
Loan To Share	58.7% +0.6% YoY-1.4% QoQ	+0.2%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	50%
AMR	$23,254 -2.1% YoY+0.9% QoQ	+$8K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	Top 11.9% in tier
CD Concentration	27.7% +3.8% YoY-0.5% QoQ	+3.4%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

298

Average Member Relationship (AMR)

engagement

Value: $23,254

Peer Median: $13,926

#298 of 2508 Top 11.8% in <100M tier

352

Loan-to-Member Ratio (LMR)

engagement

Value: $8,604

Peer Median: $4,923

#352 of 2508 Top 14.0% in <100M tier

626

Total Loans

balance_sheet

Value: $22.89M

Peer Median: $9.48M

#626 of 2508 Top 24.9% in <100M tier

Top Weaknesses (8 metrics)

2192

First Mortgage Concentration (%)

balance_sheet

Value: 41.66%

Peer Median: 3.66%

#2192 of 2508 Bottom 12.6% in <100M tier

2167

Net Interest Margin (NIM)

profitability

Value: 2.80%

Peer Median: 3.83%

#2167 of 2508 Bottom 13.6% in <100M tier

1999

Asset Growth Rate

growth

Value: -3.47%

Peer Median: 1.30%

#1999 of 2508 Bottom 20.3% in <100M tier

1992

Fee Income Per Member

profitability

Value: $10.89

Peer Median: $60.42

#1992 of 2508 Bottom 20.6% in <100M tier

1984

Share Certificate Concentration (%)

balance_sheet

Value: 27.67%

Peer Median: 12.45%

#1984 of 2508 Bottom 20.9% in <100M tier

1975

Deposit Growth Rate

growth

Value: -4.28%

Peer Median: 0.66%

#1975 of 2508 Bottom 21.3% in <100M tier

1961

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.61%

#1961 of 2508 Bottom 21.9% in <100M tier

1908

Efficiency Ratio

profitability

Value: 93.92%

Peer Median: 81.45%

#1908 of 2508 Bottom 24.0% in <100M tier