BlastPoint's Credit Union Scorecard
NEW BRUNSWICK POSTAL
Charter #2394 · NJ
NEW BRUNSWICK POSTAL has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.85% above tier average
- + Strong member growth: 43.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Asset Growth Rate: Top 0.6% in tier
- + Fee Income Per Member: Top 5.1% in tier
- + Loan Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 8.1% in tier
- - First Mortgage Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,165
+43.9% YoY-0.3% QoQ
|
+549 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$24.6M
+35.0% YoY+31.8% QoQ
|
$-5.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$13.0M
+14.6% YoY+15.6% QoQ
|
$-2.8M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$22.3M
+43.9% YoY+34.6% QoQ
|
$-3.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
1.5%
+146.5% YoY-385.8% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.4%
+3.1% YoY-1.0% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
74.3%
-19.0% YoY-33.8% QoQ
|
-8.2% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
1.3%
-4.0% YoY-27.6% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
58.1%
-20.4% YoY-14.1% QoQ
|
-2.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$11,144
-8.6% YoY+27.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
17.2%
+100.0% YoY-35.5% QoQ
|
-7.2% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)