BlastPoint's Credit Union Scorecard
P.S.E. & G. NUCLEAR EMPLOYEES
Charter #24226 · NJ
P.S.E. & G. NUCLEAR EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Loan Growth Rate: Bottom 3.1% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
936
-3.8% YoY-7.4% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$10.0M
-0.9% YoY-1.2% QoQ
|
$-20.2M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$3.4M
-27.2% YoY-14.0% QoQ
|
$-11.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$8.6M
-0.4% YoY+0.3% QoQ
|
$-17.1M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
33% |
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| ROA |
0.4%
-32.1% YoY-60.0% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.7%
-5.7% YoY-9.3% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
90.4%
+4.3% YoY+15.4% QoQ
|
-0.2% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.3%
+228.1% YoY+410.1% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
39.8%
-26.9% YoY-14.3% QoQ
|
-18.7% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$12,908
-6.3% YoY+3.4% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
44% |
| 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)
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)