BlastPoint's Credit Union Scorecard
H. E. TELEPHONE
Charter #17569 · NJ
H. E. TELEPHONE has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 7.42% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,684
-1.7% YoY-0.8% QoQ
|
+68 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$45.9M
-4.4% YoY+0.5% QoQ
|
+$15.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$23.1M
-3.7% YoY-2.5% QoQ
|
+$7.3M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$38.8M
-4.9% YoY+0.3% QoQ
|
+$13.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.1%
-46.7% YoY-29.8% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.9%
+4.9% YoY-0.2% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
90.0%
+1.5% YoY+1.4% QoQ
|
+7.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.7%
-20.7% YoY-19.6% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
59.5%
+1.3% YoY-2.8% QoQ
|
-1.1% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$23,046
-2.8% YoY+0.0% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 11.9% in tier |
| CD Concentration |
27.8%
+3.8% YoY-1.2% QoQ
|
+3.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)