BlastPoint's Credit Union Scorecard
CREDIT UNION OF NEW JERSEY, A
Charter #24927 · NJ
CREDIT UNION OF NEW JERSEY, A has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 39.3% in tier
- + Organic Growth Engine: Top 45.5% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 0.67% above tier average
- + Total Assets: Top 0.2% in tier
- + Total Loans: Top 0.2% in tier
- + Total Deposits: Top 0.5% in tier
- + Total Members: Top 1.7% in tier
- + Members Per Employee (MPE): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 90.6% in tier
- - Liquidity Strain: Bottom 90.8% in tier
- - Credit Risk Growth: Bottom 100.0% in tier
- - Delinquency rate 0.08% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,021
+3.2% YoY+0.3% QoQ
|
+23.6K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 1.8% in tier |
| Assets |
$495.0M
+6.5% YoY+4.1% QoQ
|
+$263.1M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 0.3% in tier |
| Loans |
$394.5M
+0.6% YoY+0.6% QoQ
|
+$247.1M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 0.3% in tier |
| Deposits |
$430.0M
+6.7% YoY+4.4% QoQ
|
+$229.2M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 0.6% in tier |
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| ROA |
0.8%
+105.5% YoY-8.6% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
4.3%
+2.6% YoY-1.9% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
75.3%
-2.9% YoY+1.2% QoQ
|
-1.8% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.0%
+3.3% YoY+11.2% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
91.7%
-5.7% YoY-3.6% QoQ
|
+19.5% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 10.9% in tier |
| AMR |
$21,130
+0.5% YoY+2.2% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
12.1%
-7.8% YoY-0.0% QoQ
|
-12.3% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
3.7%
+23.8% YoY-4.3% QoQ
|
-10.1% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)