BlastPoint's Credit Union Scorecard
NEW BRUNSWICK POSTAL
Charter #2394 ยท NJ
2596 CUs in <100M nationally
101 in NJ
NEW BRUNSWICK POSTAL has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 38.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 30.86% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - AMR Growth Rate: Bottom 1.5% in tier
- - First Mortgage Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,173
+38.7% YoY+47.1% QoQ
|
+547 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$18.7M
+1.1% YoY+2.2% QoQ
|
$-11.2M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$11.2M
-1.3% YoY+1.2% QoQ
|
$-4.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$16.6M
+11.3% YoY+1.2% QoQ
|
$-8.9M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
48% |
| ROA |
-0.5%
-160.3% YoY+0.8% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.7% in tier |
| NIM |
3.5%
+8.1% YoY-2.0% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
112.3%
+31.8% YoY+0.3% QoQ
|
+30.9% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 5.8% in tier |
| Delinquency Rate |
1.7%
+61.7% YoY-48.0% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
67.7%
-11.3% YoY-0.0% QoQ
|
+6.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$8,754
-23.7% YoY-31.2% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
26.7%
+203.5% YoY+98.0% QoQ
|
+2.3% |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
24
Member Growth Rate
growth
Value:
38.74%
Peer Avg: 14.92%
#24 of 2596
Top 0.9% in <100M tier
103
Net Charge-Off Rate
risk
Value:
-0.13%
Peer Avg: 0.57%
#103 of 2596
Top 3.9% in <100M tier
179
Deposit Growth Rate
growth
Value:
11.32%
Peer Avg: 16.80%
#179 of 2596
Top 6.9% in <100M tier
324
Members Per Employee (MPE)
engagement
Value:
528.833
Peer Avg: 365.701
#324 of 2596
Top 12.4% in <100M tier
Top Weaknesses (8 metrics)
2557
AMR Growth Rate
growth
Value:
-23.69%
Peer Avg: 4.67%
#2557 of 2596
Bottom 1.5% in <100M tier
2447
Efficiency Ratio
profitability
Value:
112.25%
Peer Avg: 81.39%
#2447 of 2596
Bottom 5.8% in <100M tier
2387
First Mortgage Concentration (%)
balance_sheet
Value:
49.14%
Peer Avg: 14.49%
#2387 of 2596
Bottom 8.1% in <100M tier
2371
Return on Assets (ROA)
profitability
Value:
-0.51%
Peer Avg: 0.68%
#2371 of 2596
Bottom 8.7% in <100M tier
2160
Net Worth Ratio
risk
Value:
10.02%
Peer Avg: 16.43%
#2160 of 2596
Bottom 16.8% in <100M tier
2036
Share Certificate Concentration (%)
balance_sheet
Value:
26.71%
Peer Avg: 15.37%
#2036 of 2596
Bottom 21.6% in <100M tier
2004
Average Member Relationship (AMR)
engagement
Value:
$8,754
Peer Avg: $14,627
#2004 of 2596
Bottom 22.8% in <100M tier
1978
Total Delinquency Rate (60+ days)
risk
Value:
1.73%
Peer Avg: 1.51%
#1978 of 2596
Bottom 23.8% in <100M tier