BlastPoint's Credit Union Scorecard
JERSEY CENTRAL
Charter #2493 · NJ
JERSEY CENTRAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + Members Per Employee (MPE): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 14.91% above tier (higher cost structure)
- - Delinquency rate 1.27% above tier average
- - Member decline: -5.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,031
-5.8% YoY+0.7% QoQ
|
+1.4K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$24.2M
+5.0% YoY+0.8% QoQ
|
$-6.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$13.4M
-3.0% YoY-1.9% QoQ
|
$-1.9M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$20.0M
+6.2% YoY+1.4% QoQ
|
$-5.8M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA | -0.2% | -0.4% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.5%
-14.0% YoY-7.3% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
105.5%
+10.2% YoY+10.5% QoQ
|
+14.9% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
2.8%
+27.0% YoY+10.0% QoQ
|
+1.3 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
67.1%
-8.7% YoY-3.2% QoQ
|
+8.6% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$8,283
+8.5% YoY-0.7% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
33.0%
+15.2% YoY-1.0% QoQ
|
+8.7% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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)