BlastPoint's Credit Union Scorecard
NEW JERSEY STATE PBA
Charter #24958 ยท NJ
2596 CUs in <100M nationally
101 in NJ
NEW JERSEY STATE PBA has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 20125.0% YoY
- + Member Growth Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Members Per Employee (MPE): Top 2.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 4.60% below tier average
- - Efficiency ratio 104.40% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
809
+20125.0% YoY+27.0% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$5.2M
+169.9% YoY+7.3% QoQ
|
$-24.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$1.4M
+15.1% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.3% in tier |
| Deposits |
$4.0M
+697.3% YoY+12.1% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
19% |
| ROA |
-3.9%
-24.5% YoY-7.2% QoQ
|
-4.6% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.5% in tier |
| NIM |
3.9%
+109.6% YoY-3.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
185.8%
-51.4% YoY-0.6% QoQ
|
+104.4% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 1.4% in tier |
| Delinquency Rate |
0.2%
+90.7% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
35.7%
+2.6% QoQ
|
-25.5% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$6,696
-94.7% YoY-11.1% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.0% in tier |
| CD Concentration | 0.1% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Member Growth Rate
growth
Value:
20125.00%
Peer Avg: 14.92%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
2
Deposit Growth Rate
growth
Value:
697.29%
Peer Avg: 16.80%
#2 of 2596
Top 0.0% in <100M tier
4
Asset Growth Rate
growth
Value:
169.89%
Peer Avg: 1.82%
#4 of 2596
Top 0.1% in <100M tier
73
Members Per Employee (MPE)
engagement
Value:
809.000
Peer Avg: 365.701
#73 of 2596
Top 2.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
342
Net Worth Ratio
risk
Value:
23.49%
Peer Avg: 16.43%
#342 of 2596
Top 13.1% in <100M tier
589
Share Certificate Concentration (%)
balance_sheet
Value:
0.05%
Peer Avg: 15.37%
#589 of 2596
Top 22.7% in <100M tier
Top Weaknesses (11 metrics)
2596
Loan Growth Rate
growth
Value:
-
Peer Avg: 59.01%
#2596 of 2596
Bottom 0.0% in <100M tier
2581
AMR Growth Rate
growth
Value:
-94.65%
Peer Avg: 4.67%
#2581 of 2596
Bottom 0.6% in <100M tier
2561
Efficiency Ratio
profitability
Value:
185.79%
Peer Avg: 81.39%
#2561 of 2596
Bottom 1.4% in <100M tier
2556
Return on Assets (ROA)
profitability
Value:
-3.92%
Peer Avg: 0.68%
#2556 of 2596
Bottom 1.6% in <100M tier
2324
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,762
Peer Avg: $5,488
#2324 of 2596
Bottom 10.5% in <100M tier
2232
Average Member Relationship (AMR)
engagement
Value:
$6,696
Peer Avg: $14,627
#2232 of 2596
Bottom 14.1% in <100M tier
2224
Total Loans
balance_sheet
Value:
$1.43M
Peer Avg: $15.77M
#2224 of 2596
Bottom 14.4% in <100M tier
2209
Loan-to-Share Ratio
balance_sheet
Value:
35.71%
Peer Avg: 61.23%
#2209 of 2596
Bottom 14.9% in <100M tier
2096
Total Deposits
balance_sheet
Value:
$3.99M
Peer Avg: $25.45M
#2096 of 2596
Bottom 19.3% in <100M tier
2075
Total Assets
balance_sheet
Value:
$5.22M
Peer Avg: $29.86M
#2075 of 2596
Bottom 20.1% in <100M tier