BlastPoint's Credit Union Scorecard
NEW BRUNSWICK POSTAL
Charter #2394 · NJ
NEW BRUNSWICK POSTAL has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Strong member growth: 42.2% YoY
- + Asset Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 20.55% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - AMR Growth Rate: Bottom 5.1% in tier
- - First Mortgage Concentration (%): Bottom 9.1% in tier
- - Net Worth Ratio: Bottom 9.8% 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 +31.6% year over year ($21.5M in shares and deposits).
- Membership: 3,068 members, +42.2% vs a year ago.
- Delinquency rate 1.93%.
- Return on assets 0.72%.
- Efficiency ratio 109.31% vs a 88.77% peer average.
- Loan-to-share ratio 58.25% 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 |
3,068
+42.2% YoY-0.5% QoQ
|
+482 |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$23.9M
+30.6% YoY-2.5% QoQ
|
$-6.4M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$12.5M
+13.2% YoY-1.5% QoQ
|
$-2.9M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$21.5M
+31.6% YoY-3.4% QoQ
|
$-4.3M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.7%
-241.1% YoY-224.0% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
4.4%
+23.9% YoY+2.7% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
109.3%
-2.4% YoY-2.2% QoQ
|
+20.5% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
1.9%
-42.0% YoY-37.2% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
58.2%
-13.9% YoY+1.9% QoQ
|
-0.6% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$11,105
-12.7% YoY-2.2% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
17.2%
+27.7% YoY-3.7% QoQ
|
-7.3% | 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)