BlastPoint's Credit Union Scorecard
JERSEY CENTRAL
Charter #2493 · NJ
JERSEY CENTRAL has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.8% in tier
- + Asset Growth Rate: Top 4.4% in tier
- + AMR Growth Rate: Top 6.5% in tier
- + Members Per Employee (MPE): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 16.02% above tier (higher cost structure)
- - Delinquency rate 0.52% above tier average
- - Member decline: -3.8% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,000
-3.8% YoY-4.4% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$24.3M
+13.2% YoY+4.4% QoQ
|
$-5.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$13.3M
-3.4% YoY-1.0% QoQ
|
$-2.4M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$20.0M
+17.2% YoY+5.6% QoQ
|
$-5.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
-0.1%
-177.9% YoY-46.5% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.5% in tier |
| NIM |
5.0%
-11.1% YoY-2.3% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 15.0% in tier |
| Efficiency Ratio |
97.4%
+8.3% YoY-2.1% QoQ
|
+16.0% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.3% in tier |
| Delinquency Rate |
2.0%
+3.1% YoY-17.6% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
66.6%
-17.5% YoY-6.2% QoQ
|
+5.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$8,344
+12.3% YoY+7.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
33.0%
+68.1% YoY+18.7% QoQ
|
+8.5% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)