BlastPoint's Credit Union Scorecard
GOYA FOODS EMPLOYEES
Charter #23678 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
GOYA FOODS EMPLOYEES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Efficiency Ratio: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
642
-6.4% YoY-5.4% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$11.2M
-3.7% YoY+1.1% QoQ
|
$-19.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$1.1M
+8.2% YoY+5.6% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.1% in tier |
| Deposits |
$8.7M
-5.8% YoY+1.0% QoQ
|
$-17.1M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
1.5%
+129.2% YoY+60.3% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
2.2%
+122.9% YoY+11.2% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
35.8%
-6.3% YoY-23.7% QoQ
|
-54.8% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 1.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
12.7%
+14.9% YoY+4.6% QoQ
|
-45.8% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.4% in tier |
| AMR |
$15,305
+2.1% YoY+7.3% QoQ
|
+$421 |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
58% |
| 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
40
Efficiency Ratio
profitability
Value:
35.79%
Peer Median: 81.45%
#40 of 2508
Top 1.6% in <100M tier
325
Loan Growth Rate
growth
Value:
8.25%
Peer Median: -2.36%
#325 of 2508
Top 12.9% in <100M tier
402
Total Delinquency Rate (60+ days)
risk
Value:
0.04%
Peer Median: 0.65%
#402 of 2508
Top 16.0% in <100M tier
407
Return on Assets (ROA)
profitability
Value:
1.45%
Peer Median: 0.61%
#407 of 2508
Top 16.2% in <100M tier
408
Net Worth Ratio
risk
Value:
22.24%
Peer Median: 14.28%
#408 of 2508
Top 16.2% 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 (10 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2445
Loan-to-Share Ratio
balance_sheet
Value:
12.68%
Peer Median: 58.72%
#2445 of 2508
Bottom 2.6% in <100M tier
2375
Net Interest Margin (NIM)
profitability
Value:
2.24%
Peer Median: 3.83%
#2375 of 2508
Bottom 5.3% in <100M tier
2240
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,722
Peer Median: $4,923
#2240 of 2508
Bottom 10.7% in <100M tier
2208
Member Growth Rate
growth
Value:
-6.41%
Peer Median: -1.37%
#2208 of 2508
Bottom 12.0% in <100M tier
2204
Total Loans
balance_sheet
Value:
$1.11M
Peer Median: $9.48M
#2204 of 2508
Bottom 12.2% in <100M tier
2146
Fee Income Per Member
profitability
Value:
$4.42
Peer Median: $60.42
#2146 of 2508
Bottom 14.5% in <100M tier
2133
Deposit Growth Rate
growth
Value:
-5.81%
Peer Median: 0.66%
#2133 of 2508
Bottom 15.0% in <100M tier
2069
Total Members
engagement
Value:
642
Peer Median: 1,918
#2069 of 2508
Bottom 17.5% in <100M tier
2030
Asset Growth Rate
growth
Value:
-3.72%
Peer Median: 1.30%
#2030 of 2508
Bottom 19.1% in <100M tier