BlastPoint's Credit Union Scorecard
OCEAN COUNTY EMPLOYEES
Charter #18759 · NJ
OCEAN COUNTY EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 1.07% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.1% YoY
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - Total Loans: Bottom 5.7% in tier
- - Average Member Relationship (AMR): Bottom 7.0% in tier
- - Total Assets: Bottom 7.4% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
- - Total Deposits: Bottom 7.7% in tier
- - Total Members: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
350
-5.1% YoY-0.8% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.3% in tier |
| Assets |
$1.4M
+0.9% YoY-4.8% QoQ
|
$-28.7M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.4% in tier |
| Loans |
$349,810
-15.4% YoY-0.7% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.6% in tier |
| Deposits |
$1.2M
-0.4% YoY-6.2% QoQ
|
$-24.5M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.7% in tier |
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| ROA |
1.1%
-3.2% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
5.0%
+7.1% YoY+1.5% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
77.9%
-4.8% YoY+1.3% QoQ
|
-4.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
29.9%
-15.1% YoY+5.9% QoQ
|
-30.7% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.3% in tier |
| AMR |
$4,341
+0.9% YoY-4.2% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.0% in tier |
| CD Concentration | 0.0% | -24.4% | 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)