BlastPoint's Credit Union Scorecard
HEARD A.M.E.
Charter #23615 · NJ
HEARD A.M.E. has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 1.18% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 4.79% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Total Loans: Bottom 1.8% in tier
- - Deposit Growth Rate: Bottom 1.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -19.2% year over year ($149K in shares and deposits).
- Membership: 191 members, +0.5% vs a year ago.
- Delinquency rate 6.33%.
- Return on assets 1.74%.
- Efficiency ratio 70.10% vs a 88.77% peer average.
- Loan-to-share ratio 28.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
191
+0.5% YoY+1.1% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 4.4% in tier |
| Assets |
$164,885
-15.9% YoY-5.3% QoQ
|
$-30.1M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.7% in tier |
| Loans |
$43,060
-13.3% YoY-4.9% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.8% in tier |
| Deposits |
$149,001
-19.2% YoY-5.8% QoQ
|
$-25.7M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.9% in tier |
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| ROA |
1.7%
+215.0% YoY-33.3% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 14.0% in tier |
| NIM |
5.1%
+68.7% YoY-0.6% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
70.1%
-18.0% YoY+23.5% QoQ
|
-18.7% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
6.3%
+88.1% YoY+119.6% QoQ
|
+4.8 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.5% in tier |
| Loan To Share |
28.9%
+7.3% YoY+0.9% QoQ
|
-30.0% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.3% in tier |
| AMR |
$1,006
-18.4% YoY-6.6% QoQ
|
$-14K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.9% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)