BlastPoint's Credit Union Scorecard
NEW JERSEY STATE PBA
Charter #24958 · NJ
NEW JERSEY STATE PBA has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Strong member growth: 84.8% YoY
- + Deposit Growth Rate: Top 0.2% in tier
- + Asset Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + Members Per Employee (MPE): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 41.74% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits +71.7% year over year ($6.1M in shares and deposits).
- Membership: 1,177 members, +84.8% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 1.53%.
- Efficiency ratio 130.50% vs a 88.77% peer average.
- Loan-to-share ratio 36.18% vs a 58.89% 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 |
1,177
+84.8% YoY+9.6% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$7.2M
+48.7% YoY+1.6% QoQ
|
$-23.0M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$2.2M
+78.5% YoY+14.8% QoQ
|
$-13.2M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$6.1M
+71.7% YoY+3.1% QoQ
|
$-19.7M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
26% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
-136.2% YoY-199.2% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
4.5%
+11.8% YoY+5.9% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
130.5%
-30.2% YoY-2.0% QoQ
|
+41.7% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
0.4%
+333.7% YoY+63.8% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
36.2%
+4.0% YoY+11.4% QoQ
|
-22.7% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$7,072
-6.1% YoY-3.3% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 15.0% in tier |
| CD Concentration |
3.3%
+29.8% QoQ
|
-21.2% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)