BlastPoint's Credit Union Scorecard
HEARD A.M.E.
Charter #23615 · NJ
2556 CUs in <100M nationally
98 in NJ
HEARD A.M.E. has 8 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.40% above tier average
- + Net Interest Margin 0.15% above tier average
- + 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 0.3% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + AMR Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.2% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.9% in tier
- - Total Deposits: Bottom 1.3% in tier
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - Total Loans: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Total Members: Bottom 3.7% in tier
- - Net Worth Ratio: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - Asset Growth Rate: Bottom 5.8% in tier
- - Member Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
167
-8.2% YoY-10.2% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$176,108
-9.1% YoY-9.2% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.9% in tier |
| Loans |
$51,684
+92.4% YoY-9.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.0% in tier |
| Deposits |
$160,830
-11.7% YoY-10.6% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.2% in tier |
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| ROA |
2.0%
-171.4% YoY+22.6% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 6.8% in tier |
| NIM |
4.1%
+94.7% YoY+12.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
63.7%
-71.4% YoY-5.7% QoQ
|
-18.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.9%
-71.3% YoY-70.4% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
32.1%
+118.0% YoY+1.1% QoQ
|
-28.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.9% in tier |
| AMR |
$1,273
+10.8% YoY-0.2% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.5% in tier |
| 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)
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
9
Loan Growth Rate
growth
Value:
92.43%
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
173
Return on Assets (ROA)
profitability
Value:
2.02%
Peer Median: -
#173 of 2556
Top 6.7% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
225
AMR Growth Rate
growth
Value:
10.77%
Peer Median: -
#225 of 2556
Top 8.8% in <100M tier
414
Efficiency Ratio
profitability
Value:
63.69%
Peer Median: -
#414 of 2556
Top 16.2% in <100M tier
Top Weaknesses (13 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2533
Total Assets
balance_sheet
Value:
$176,108
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2525
Total Deposits
balance_sheet
Value:
$160,830
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2518
Average Member Relationship (AMR)
engagement
Value:
$1,273
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2505
Total Loans
balance_sheet
Value:
$51,684
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2500
Loan-to-Member Ratio (LMR)
engagement
Value:
$309.49
Peer Median: -
#2500 of 2556
Bottom 2.2% in <100M tier
2463
Total Members
engagement
Value:
167
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2441
Net Worth Ratio
risk
Value:
7.94%
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2426
Deposit Growth Rate
growth
Value:
-11.74%
Peer Median: -
#2426 of 2556
Bottom 5.1% in <100M tier
2409
Asset Growth Rate
growth
Value:
-9.15%
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier