BlastPoint's Credit Union Scorecard
CREDIT UNION OF NEW JERSEY, A
Charter #24927 · NJ
CREDIT UNION OF NEW JERSEY, A has 7 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does NJ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.6% in tier
- + Organic Growth Leader: Top 21.6% in tier
- + ROA 1.04% above tier average
- + Net Interest Margin 0.57% above tier average
- + Share Certificate Concentration (%): Top 1.2% in tier
- + Fee Income Per Member: Top 2.4% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.8% in tier
- - Credit Risk Growth: Bottom 54.6% in tier
- - Delinquency rate 0.12% above tier average
- - Total Assets: Bottom 7.3% in tier
- - Total Deposits: Bottom 7.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in New Jersey.
- Shares and deposits +6.9% year over year ($441M in shares and deposits).
- Membership: 39,329 members, +2.9% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 1.86%.
- Efficiency ratio 67.74% vs a 76.56% peer average.
- Loan-to-share ratio 89.69% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,329
+2.9% YoY+0.7% QoQ
|
+1.4K |
37,897
-5.0% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$512.8M
+8.3% YoY+1.8% QoQ
|
$-109.6M |
$622.4M
+0.6% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.7% in tier |
| Loans |
$395.9M
+2.6% YoY+2.1% QoQ
|
$-32.6M |
$428.5M
-0.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$441.4M
+6.9% YoY+1.9% QoQ
|
$-98.3M |
$539.8M
+0.9% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.3% in tier |
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| ROA |
1.9%
+134.8% YoY-47.1% QoQ
|
+1.0% |
0.8%
+39.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 4.2% in tier |
| NIM |
4.1%
-4.1% YoY-0.2% QoQ
|
+0.6% |
3.5%
+5.0% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
67.7%
-9.7% YoY+24.4% QoQ
|
-8.8% |
76.6%
-3.6% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.9%
+4.6% YoY-2.1% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
89.7%
-4.0% YoY+0.2% QoQ
|
+10.4% |
79.3%
-1.4% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$21,291
+1.8% YoY+1.3% QoQ
|
$-6K |
$27,294
+4.1% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
9.6%
-22.3% YoY-14.2% QoQ
|
-15.0% | 24.6% | 14.8% | 20.0% | Bottom 7.7% in tier |
| Indirect Auto % |
4.6%
+24.3% YoY+23.7% QoQ
|
-9.0% | 13.6% | 1.1% | 7.7% | 45% |
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.
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)