BlastPoint's Credit Union Scorecard
GAF LINDEN EMPLOYEES
Charter #2348 · NJ
GAF LINDEN EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 7.20% below tier average
- - Efficiency ratio 18.00% above tier (higher cost structure)
- - Member decline: -5.9% YoY
- - Net Charge-Off Rate: Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 2.1% in tier
- - Deposit Growth Rate: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Loan Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
477
-5.9% YoY-3.6% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 13.0% in tier |
| Assets |
$4.2M
-14.4% YoY-4.0% QoQ
|
$-26.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$924,449
-19.3% YoY-14.1% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.0% in tier |
| Deposits |
$3.5M
-15.3% YoY-2.8% QoQ
|
$-22.3M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-7.1%
+2394.5% YoY+5089.8% QoQ
|
-7.2% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.1% in tier |
| NIM |
3.0%
+12.1% YoY-0.9% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
108.6%
+2.1% YoY+4.9% QoQ
|
+18.0% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
26.5%
-4.7% YoY-11.6% QoQ
|
-32.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.5% in tier |
| AMR |
$9,260
-10.9% YoY-1.9% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration | 0.0% | -24.3% | 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)