BlastPoint's Credit Union Scorecard
P.S.E. & G. NUCLEAR EMPLOYEES
Charter #24226 · NJ
P.S.E. & G. NUCLEAR EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Loan Growth Rate: Bottom 6.3% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,011
+2.7% YoY0% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$10.1M
+3.0% YoY-0.4% QoQ
|
$-20.0M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$4.0M
-19.1% YoY-7.3% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$8.6M
+2.3% YoY-0.7% QoQ
|
$-17.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.9%
-8.3% YoY+2.7% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
4.1%
-0.2% YoY-0.4% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
78.3%
+1.7% YoY-0.7% QoQ
|
-4.2% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.1%
-43.8% YoY-14.7% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
46.5%
-20.9% YoY-6.6% QoQ
|
-14.1% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$12,483
-8.2% YoY-2.9% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration | 0.0% | -24.4% | 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)