BlastPoint's Credit Union Scorecard
NJ GATEWAY
Charter #19454 · NJ
NJ GATEWAY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 13.51% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 3.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,381
-1.7% YoY-0.6% QoQ
|
-234 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$27.6M
-0.6% YoY-0.9% QoQ
|
$-2.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$4.2M
-10.7% YoY-4.7% QoQ
|
$-11.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$24.8M
-0.9% YoY-1.3% QoQ
|
$-908K |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.1%
-178.0% YoY+27.9% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.7%
+29.4% YoY+5.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio |
96.1%
-10.2% YoY-0.7% QoQ
|
+13.5% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
16.9%
-9.9% YoY-3.4% QoQ
|
-43.7% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.4% in tier |
| AMR |
$12,166
-0.8% YoY-1.2% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
11.7%
+1.3% YoY+1.0% QoQ
|
-12.7% | 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)