BlastPoint's Credit Union Scorecard
NEW JERSEY STATE PBA
Charter #24958 · NJ
NEW JERSEY STATE PBA has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Strong member growth: 103.8% YoY
- + Asset Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Loan Growth Rate: Top 0.3% in tier
- + Members Per Employee (MPE): Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.69% below tier average
- - Efficiency ratio 42.48% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,074
+103.8% YoY+17.8% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$7.1M
+69.6% YoY+14.6% QoQ
|
$-23.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$1.9M
+111.6% YoY+20.0% QoQ
|
$-13.4M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$5.9M
+112.5% YoY+17.3% QoQ
|
$-19.9M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
-1.5%
-66.8% YoY-55.6% QoQ
|
-1.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.1% in tier |
| NIM |
4.2%
-1.4% YoY+12.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
133.1%
-30.4% YoY-25.9% QoQ
|
+42.5% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
0.3%
+323.9% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
32.5%
-0.4% YoY+2.3% QoQ
|
-26.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.8% in tier |
| AMR |
$7,314
+4.2% YoY+0.2% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
2.6%
+460.0% QoQ
|
-21.7% | 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)