BlastPoint's Credit Union Scorecard
HOBOKEN SCHOOL EMPLOYEES
Charter #2155 · NJ
HOBOKEN SCHOOL EMPLOYEES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Average Member Relationship (AMR): Top 0.4% in tier
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.8% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Share Certificate Concentration (%): Bottom 2.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,512
-1.6% YoY+0.3% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$73.6M
+3.4% YoY+1.7% QoQ
|
+$43.4M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Top 10.5% in tier |
| Loans |
$25.4M
+0.6% YoY-1.6% QoQ
|
+$10.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$57.8M
+4.1% YoY+2.2% QoQ
|
+$32.0M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Top 13.4% in tier |
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| ROA |
0.2%
+105.0% YoY+37.3% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
1.6%
+0.8% YoY-1.4% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
85.0%
-3.7% YoY-0.6% QoQ
|
-5.6% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.9%
+151.7% YoY-5.7% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
44.0%
-3.4% YoY-3.7% QoQ
|
-14.5% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$55,046
+4.7% YoY+0.7% QoQ
|
+$40K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 0.4% in tier |
| CD Concentration |
53.9%
-0.8% YoY-0.4% QoQ
|
+29.6% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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)