BlastPoint's Credit Union Scorecard
HEARD A.M.E.
Charter #23615 · NJ
2596 CUs in <100M nationally
101 in NJ
HEARD A.M.E. has 8 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.97% above tier average
- + Strong member growth: 14.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 2.5% in tier
- + Net Charge-Off Rate: Top 9.4% 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 1.0% in tier
- - Net Worth Ratio: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Total Loans: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.4% in tier
- - Total Members: Bottom 4.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
186
+14.8% YoY-2.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 4.2% in tier |
| Assets |
$193,863
-0.3% YoY-1.1% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.0% in tier |
| Loans |
$57,222
+236.8% YoY+15.2% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.2% in tier |
| Deposits |
$179,978
-1.7% YoY-2.4% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.5% in tier |
| ROA |
1.6%
-137.8% YoY+198.1% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
3.6%
+77.7% YoY+21.2% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
67.5%
-78.7% YoY-21.0% QoQ
|
-13.9% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
2.9%
-59.0% YoY-14.3% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 12.6% in tier |
| Loan To Share |
31.8%
+242.7% YoY+18.1% QoQ
|
-29.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.4% in tier |
| AMR |
$1,275
+3.2% YoY+3.5% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.6% in tier |
| 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#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
4
Loan Growth Rate
growth
Value:
236.76%
Peer Avg: 59.01%
#4 of 2596
Top 0.1% in <100M tier
66
Member Growth Rate
growth
Value:
14.81%
Peer Avg: 14.92%
#66 of 2596
Top 2.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
416
Return on Assets (ROA)
profitability
Value:
1.65%
Peer Avg: 0.68%
#416 of 2596
Top 16.0% in <100M tier
Top Weaknesses (11 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2571
Total Assets
balance_sheet
Value:
$193,863
Peer Avg: $29.86M
#2571 of 2596
Bottom 1.0% in <100M tier
2568
Net Worth Ratio
risk
Value:
6.62%
Peer Avg: 16.43%
#2568 of 2596
Bottom 1.1% in <100M tier
2557
Total Deposits
balance_sheet
Value:
$179,978
Peer Avg: $25.45M
#2557 of 2596
Bottom 1.5% in <100M tier
2554
Average Member Relationship (AMR)
engagement
Value:
$1,275
Peer Avg: $14,627
#2554 of 2596
Bottom 1.7% in <100M tier
2539
Total Loans
balance_sheet
Value:
$57,222
Peer Avg: $15.77M
#2539 of 2596
Bottom 2.2% in <100M tier
2534
Loan-to-Member Ratio (LMR)
engagement
Value:
$307.65
Peer Avg: $5,488
#2534 of 2596
Bottom 2.4% in <100M tier
2487
Total Members
engagement
Value:
186
Peer Avg: 2,626
#2487 of 2596
Bottom 4.2% in <100M tier
2296
Loan-to-Share Ratio
balance_sheet
Value:
31.79%
Peer Avg: 61.23%
#2296 of 2596
Bottom 11.6% in <100M tier
2271
Total Delinquency Rate (60+ days)
risk
Value:
2.89%
Peer Avg: 1.51%
#2271 of 2596
Bottom 12.6% in <100M tier