BlastPoint's Credit Union Scorecard
HEARD A.M.E.
Charter #23615 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
HEARD A.M.E. has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.46% above tier average
- + Net Interest Margin 1.10% above tier average
- + Loan Growth Rate: Top 3.8% in tier
- + Efficiency Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.38% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.9% in tier
- - Total Deposits: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Loans: Bottom 2.0% in tier
- - Deposit Growth Rate: Bottom 2.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
189
+3.3% YoY+13.2% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 4.3% in tier |
| Assets |
$174,199
-13.6% YoY-1.1% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.9% in tier |
| Loans |
$45,280
+19.4% YoY-12.4% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.0% in tier |
| Deposits |
$158,097
-17.2% YoY-1.7% QoQ
|
$-25.6M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.6%
-373.4% YoY+29.2% QoQ
|
+2.5% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 2.9% in tier |
| NIM |
5.1%
+90.3% YoY+24.7% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 10.0% in tier |
| Efficiency Ratio |
56.8%
-54.7% YoY-10.9% QoQ
|
-33.9% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
2.9%
+238.0% QoQ
|
+1.4 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
28.6%
+44.3% YoY-10.9% QoQ
|
-29.9% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.2% in tier |
| AMR |
$1,076
-14.0% YoY-15.4% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.2% in tier |
| 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)
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
72
Return on Assets (ROA)
profitability
Value:
2.61%
Peer Median: 0.61%
#72 of 2508
Top 2.8% in <100M tier
96
Loan Growth Rate
growth
Value:
19.44%
Peer Median: -2.36%
#96 of 2508
Top 3.8% in <100M tier
227
Efficiency Ratio
profitability
Value:
56.77%
Peer Median: 81.45%
#227 of 2508
Top 9.0% in <100M tier
252
Net Interest Margin (NIM)
profitability
Value:
5.11%
Peer Median: 3.83%
#252 of 2508
Top 10.0% in <100M tier
277
Member Growth Rate
growth
Value:
3.28%
Peer Median: -1.37%
#277 of 2508
Top 11.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (14 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2486
Total Assets
balance_sheet
Value:
$174,199
Peer Median: $21.86M
#2486 of 2508
Bottom 0.9% in <100M tier
2480
Total Deposits
balance_sheet
Value:
$158,097
Peer Median: $18.77M
#2480 of 2508
Bottom 1.2% in <100M tier
2478
Average Member Relationship (AMR)
engagement
Value:
$1,076
Peer Median: $13,926
#2478 of 2508
Bottom 1.2% in <100M tier
2460
Loan-to-Member Ratio (LMR)
engagement
Value:
$239.58
Peer Median: $4,923
#2460 of 2508
Bottom 2.0% in <100M tier
2459
Total Loans
balance_sheet
Value:
$45,280
Peer Median: $9.48M
#2459 of 2508
Bottom 2.0% in <100M tier
2458
Deposit Growth Rate
growth
Value:
-17.24%
Peer Median: 0.66%
#2458 of 2508
Bottom 2.0% in <100M tier
2446
Asset Growth Rate
growth
Value:
-13.60%
Peer Median: 1.30%
#2446 of 2508
Bottom 2.5% in <100M tier
2413
AMR Growth Rate
growth
Value:
-13.99%
Peer Median: 1.27%
#2413 of 2508
Bottom 3.8% in <100M tier
2398
Total Members
engagement
Value:
189
Peer Median: 1,918
#2398 of 2508
Bottom 4.4% in <100M tier