BlastPoint's Credit Union Scorecard
TEANECK
Charter #2021 ยท NJ
2596 CUs in <100M nationally
101 in NJ
TEANECK has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 6.0% in tier
- + Asset Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 4.37% above tier (higher cost structure)
- - Delinquency rate 4.54% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
993
-1.3% YoY0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$17.2M
+10.8% YoY+0.8% QoQ
|
$-12.7M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$6.8M
-1.7% YoY-1.7% QoQ
|
$-8.9M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$15.0M
+11.9% YoY+1.0% QoQ
|
$-10.5M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
46% |
| ROA |
0.3%
-54.5% YoY-41.8% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
2.8%
-6.9% YoY-0.7% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.5% in tier |
| Efficiency Ratio |
85.8%
+6.8% YoY-0.0% QoQ
|
+4.4% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
6.0%
+270.3% YoY-40.5% QoQ
|
+4.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 4.5% in tier |
| Loan To Share |
45.6%
-12.1% YoY-2.6% QoQ
|
-15.7% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$21,942
+8.7% YoY+0.1% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Top 14.3% in tier |
| CD Concentration |
27.1%
+121.0% YoY+19.3% QoQ
|
+2.7% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
156
Deposit Growth Rate
growth
Value:
11.93%
Peer Avg: 16.80%
#156 of 2596
Top 6.0% in <100M tier
181
Asset Growth Rate
growth
Value:
10.80%
Peer Avg: 1.82%
#181 of 2596
Top 6.9% in <100M tier
319
AMR Growth Rate
growth
Value:
8.70%
Peer Avg: 4.67%
#319 of 2596
Top 12.2% in <100M tier
370
Average Member Relationship (AMR)
engagement
Value:
$21,942
Peer Avg: $14,627
#370 of 2596
Top 14.2% in <100M tier
Top Weaknesses (6 metrics)
2480
Total Delinquency Rate (60+ days)
risk
Value:
6.04%
Peer Avg: 1.51%
#2480 of 2596
Bottom 4.5% in <100M tier
2308
Members Per Employee (MPE)
engagement
Value:
165.500
Peer Avg: 365.701
#2308 of 2596
Bottom 11.1% in <100M tier
2262
First Mortgage Concentration (%)
balance_sheet
Value:
40.22%
Peer Avg: 14.49%
#2262 of 2596
Bottom 12.9% in <100M tier
2246
Net Interest Margin (NIM)
profitability
Value:
2.82%
Peer Avg: 3.93%
#2246 of 2596
Bottom 13.5% in <100M tier
2117
Net Charge-Off Rate
risk
Value:
0.82%
Peer Avg: 0.57%
#2117 of 2596
Bottom 18.5% in <100M tier
2055
Share Certificate Concentration (%)
balance_sheet
Value:
27.13%
Peer Avg: 15.37%
#2055 of 2596
Bottom 20.9% in <100M tier