BlastPoint's Credit Union Scorecard
NEW JERSEY STATE PBA
Charter #24958 · NJ
2556 CUs in <100M nationally
98 in NJ
NEW JERSEY STATE PBA has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 179.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Members Per Employee (MPE): Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 4.09% below tier average
- - Efficiency ratio 97.11% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
912
+179.8% YoY+12.7% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$6.2M
+141.3% YoY+19.0% QoQ
|
$-23.9M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$1.6M
+212.5% YoY+12.5% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$5.1M
+322.3% YoY+26.6% QoQ
|
$-20.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
-3.5%
-37.6% YoY-11.4% QoQ
|
-4.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.6% in tier |
| NIM |
3.7%
+77.9% YoY-3.0% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
179.7%
-49.3% YoY-3.3% QoQ
|
+97.1% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
0.1%
-67.2% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
31.7%
-26.0% YoY-11.1% QoQ
|
-28.9% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.5% in tier |
| AMR |
$7,301
+39.2% YoY+9.0% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
0.5%
+807.2% QoQ
|
-24.0% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
2
Asset Growth Rate
growth
Value:
141.33%
Peer Median: -
#2 of 2556
Top 0.0% in <100M tier
3
Deposit Growth Rate
growth
Value:
322.35%
Peer Median: -
#3 of 2556
Top 0.1% in <100M tier
5
Member Growth Rate
growth
Value:
179.75%
Peer Median: -
#5 of 2556
Top 0.2% in <100M tier
6
Loan Growth Rate
growth
Value:
212.49%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
24
AMR Growth Rate
growth
Value:
39.18%
Peer Median: -
#24 of 2556
Top 0.9% in <100M tier
40
Members Per Employee (MPE)
engagement
Value:
912.000
Peer Median: -
#40 of 2556
Top 1.5% in <100M tier
420
Total Delinquency Rate (60+ days)
risk
Value:
0.06%
Peer Median: -
#420 of 2556
Top 16.4% in <100M tier
601
Share Certificate Concentration (%)
balance_sheet
Value:
0.46%
Peer Median: -
#601 of 2556
Top 23.5% in <100M tier
Top Weaknesses (8 metrics)
2523
Efficiency Ratio
profitability
Value:
179.67%
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2515
Return on Assets (ROA)
profitability
Value:
-3.47%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2287
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,759
Peer Median: -
#2287 of 2556
Bottom 10.6% in <100M tier
2259
Loan-to-Share Ratio
balance_sheet
Value:
31.74%
Peer Median: -
#2259 of 2556
Bottom 11.7% in <100M tier
2169
Total Loans
balance_sheet
Value:
$1.60M
Peer Median: -
#2169 of 2556
Bottom 15.2% in <100M tier
2148
Average Member Relationship (AMR)
engagement
Value:
$7,301
Peer Median: -
#2148 of 2556
Bottom 16.0% in <100M tier
1967
Total Assets
balance_sheet
Value:
$6.21M
Peer Median: -
#1967 of 2556
Bottom 23.1% in <100M tier
1957
Total Deposits
balance_sheet
Value:
$5.05M
Peer Median: -
#1957 of 2556
Bottom 23.5% in <100M tier