BlastPoint's Credit Union Scorecard
NEW BRUNSWICK POSTAL
Charter #2394 · NJ
NEW BRUNSWICK POSTAL has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Strong member growth: 42.8% YoY
- + Asset Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Member Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 21.12% above tier (higher cost structure)
- - Delinquency rate 1.57% above tier average
- - AMR Growth Rate: Bottom 7.1% in tier
- - First Mortgage Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,084
+42.8% YoY-2.6% QoQ
|
+407 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$24.5M
+35.7% YoY-0.5% QoQ
|
$-5.7M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$12.7M
+13.7% YoY-1.8% QoQ
|
$-2.5M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$22.3M
+38.6% YoY-0.1% QoQ
|
$-3.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
-0.6%
+38.3% YoY-139.5% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.4% in tier |
| NIM |
4.3%
+20.9% YoY+24.3% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
111.7%
+1.8% YoY+50.3% QoQ
|
+21.1% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
3.1%
+73.2% YoY+145.2% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.1% in tier |
| Loan To Share |
57.2%
-17.9% YoY-1.7% QoQ
|
-1.4% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$11,355
-10.1% YoY+1.9% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
17.9%
+96.5% YoY+3.9% QoQ
|
-6.4% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)