BlastPoint's Credit Union Scorecard
CREDIT UNION OF NEW JERSEY, A
Charter #24927 · NJ
CREDIT UNION OF NEW JERSEY, A has 8 strengths but faces 5 concerns
How does the industry compare?
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How does NJ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.5% in tier
- + Organic Growth Leader: Top 24.5% in tier
- + ROA 2.82% above tier average
- + Net Interest Margin 0.64% above tier average
- + Fee Income Per Member: Top 0.1% in tier
- + Share Certificate Concentration (%): Top 1.8% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Members Per Employee (MPE): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.7% in tier
- - Shrinking Wallet Share: Bottom 86.7% in tier
- - Delinquency rate 0.24% above tier average
- - Total Assets: Bottom 4.2% in tier
- - Total Deposits: 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 |
39,068
+2.6% YoY+0.1% QoQ
|
+988 |
38,079
-4.8% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$504.0M
+3.8% YoY+1.8% QoQ
|
$-115.7M |
$619.7M
-0.2% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.6% in tier |
| Loans |
$387.8M
+0.1% YoY-1.7% QoQ
|
$-31.5M |
$419.3M
-1.4% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$433.4M
+2.1% YoY+0.8% QoQ
|
$-106.1M |
$539.5M
-0.1% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.4% in tier |
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| ROA |
3.5%
+315.2% YoY+352.7% QoQ
|
+2.8% |
0.7%
+36.0% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 0.6% in tier |
| NIM |
4.1%
-4.2% YoY-4.0% QoQ
|
+0.6% |
3.5%
+4.5% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
54.5%
-27.0% YoY-27.6% QoQ
|
-23.9% |
78.4%
-3.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
0.9%
+21.2% YoY-2.6% QoQ
|
+0.2 |
0.7%
-0.9% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
89.5%
-1.9% YoY-2.5% QoQ
|
+11.8% |
77.7%
-1.2% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$21,019
-1.4% YoY-0.5% QoQ
|
$-6K |
$26,927
+3.1% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration |
11.2%
-18.6% YoY-7.7% QoQ
|
-13.1% | 24.3% | 14.5% | 19.8% | Bottom 10.1% in tier |
| Indirect Auto % |
3.7%
+17.2% YoY+2.7% QoQ
|
-10.1% | 13.8% | 1.0% | 7.7% | 43% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)