BlastPoint's Credit Union Scorecard
GAF LINDEN EMPLOYEES
Charter #2348 · NJ
GAF LINDEN EMPLOYEES has 2 strengths but faces 7 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 0.76% below tier average
- - Efficiency ratio 21.04% above tier (higher cost structure)
- - Delinquency rate 5.78% above tier average
- - Asset Growth Rate: Bottom 2.2% in tier
- - Deposit Growth Rate: Bottom 2.3% in tier
- - AMR Growth Rate: Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
495
+1.2% YoY-0.8% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.5% in tier |
| Assets |
$4.4M
-14.1% YoY-2.7% QoQ
|
$-25.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$1.1M
-8.4% YoY-1.4% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.8% in tier |
| Deposits |
$3.6M
-16.6% YoY-3.3% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-0.1%
-173.3% YoY-26.4% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.3% in tier |
| NIM |
3.0%
+11.1% YoY+3.4% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
103.6%
+13.9% YoY-1.2% QoQ
|
+21.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
7.3%
+14.9% YoY-1.4% QoQ
|
+5.8 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 3.1% in tier |
| Loan To Share |
29.9%
+9.8% YoY+2.0% QoQ
|
-30.7% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.3% in tier |
| AMR |
$9,435
-15.8% YoY-2.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration | 0.0% | -24.4% | 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)