BlastPoint's Credit Union Scorecard
GAF LINDEN EMPLOYEES
Charter #2348 · NJ
2596 CUs in <100M nationally
101 in NJ
GAF LINDEN EMPLOYEES has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 23.45% above tier (higher cost structure)
- - Delinquency rate 5.93% above tier average
- - Member decline: -8.3% YoY
- - Asset Growth Rate: Bottom 1.8% in tier
- - Deposit Growth Rate: Bottom 1.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 7.4% in tier
- - Member Growth Rate: Bottom 8.2% in tier
- - Net Charge-Off Rate: Bottom 9.7% in tier
- - Loan-to-Share Ratio: Bottom 9.7% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
499
-8.3% YoY-2.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 13.8% in tier |
| Assets |
$4.5M
-15.6% YoY-5.1% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.1M
-16.2% YoY-5.6% QoQ
|
$-14.7M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.1% in tier |
| Deposits |
$3.7M
-18.2% YoY-6.0% QoQ
|
$-21.7M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
18% |
| ROA |
-0.2%
-217.1% YoY+26.2% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.6% in tier |
| NIM |
2.9%
+12.6% YoY+3.2% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
104.8%
+14.4% YoY+1.7% QoQ
|
+23.5% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 8.6% in tier |
| Delinquency Rate |
7.4%
+333.4% YoY+4.8% QoQ
|
+5.9 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 3.2% in tier |
| Loan To Share |
29.4%
+2.5% YoY+0.5% QoQ
|
-31.9% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.6% in tier |
| AMR |
$9,635
-10.3% YoY-3.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration | 0.0% | -24.4% |
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
391
Members Per Employee (MPE)
engagement
Value:
499.000
Peer Avg: 365.701
#391 of 2596
Top 15.0% in <100M tier
Top Weaknesses (17 metrics)
2549
Asset Growth Rate
growth
Value:
-15.57%
Peer Avg: 1.82%
#2549 of 2596
Bottom 1.8% in <100M tier
2548
Deposit Growth Rate
growth
Value:
-18.19%
Peer Avg: 16.80%
#2548 of 2596
Bottom 1.9% in <100M tier
2514
Total Delinquency Rate (60+ days)
risk
Value:
7.44%
Peer Avg: 1.51%
#2514 of 2596
Bottom 3.2% in <100M tier
2405
AMR Growth Rate
growth
Value:
-10.33%
Peer Avg: 4.67%
#2405 of 2596
Bottom 7.4% in <100M tier
2385
Member Growth Rate
growth
Value:
-8.27%
Peer Avg: 14.92%
#2385 of 2596
Bottom 8.2% in <100M tier
2374
Efficiency Ratio
profitability
Value:
104.85%
Peer Avg: 81.39%
#2374 of 2596
Bottom 8.6% in <100M tier
2344
Net Charge-Off Rate
risk
Value:
1.38%
Peer Avg: 0.57%
#2344 of 2596
Bottom 9.7% in <100M tier
2344
Loan-to-Share Ratio
balance_sheet
Value:
29.36%
Peer Avg: 61.23%
#2344 of 2596
Bottom 9.7% in <100M tier
2340
Loan Growth Rate
growth
Value:
-16.18%
Peer Avg: 59.01%
#2340 of 2596
Bottom 9.9% in <100M tier
2282
Total Loans
balance_sheet
Value:
$1.09M
Peer Avg: $15.77M
#2282 of 2596
Bottom 12.1% in <100M tier