MEMBERS 1ST OF NJ
Charter #2574 | NJ
100M-500M
(1077 CUs)
Micro
($0-$500M)
25 100M-500M in NJ
MEMBERS 1ST OF NJ has 13 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.1% in tier
- + Organic Growth Engine: Top 2.0% in tier
- + Emerging Performer: Top 3.3% in tier
- + Wallet Share Momentum: Top 29.0% in tier
- + Relationship Depth Leader: Top 33.8% in tier
- + ROA 0.22% above tier average
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 35.1% YoY
- + Asset Growth Rate: Top 0.4% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Member Growth Rate: Top 0.8% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + First Mortgage Concentration (%): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 0.9% in tier
- - Credit Quality Pressure: Bottom 5.0% in tier
- - Efficiency Drag: Bottom 29.5% in tier
- - Efficiency ratio 3.26% above tier (higher cost structure)
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,089
+35.1% YoY+1.2% QoQ
|
-2.5K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
48th in tier |
| Assets |
$128.3M
+58.1% YoY-0.2% QoQ
|
$-103.0M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 19.4% in tier |
| Loans |
$58.1M
+16.6% YoY-0.7% QoQ
|
$-89.7M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.5% in tier |
| Deposits |
$114.2M
+52.8% YoY-2.1% QoQ
|
$-86.1M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 20.6% in tier |
| ROA |
1.0%
+143.1% YoY+42.0% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
66th in tier |
| NIM |
3.7%
+10.6% YoY-11.4% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
56th in tier |
| Efficiency Ratio |
80.5%
-10.6% YoY-8.1% QoQ
|
+3.3% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
63rd in tier |
| Delinquency Rate |
0.8%
+178.7% YoY+21.9% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
63rd in tier |
| Loan To Share |
50.8%
-23.7% YoY+1.4% QoQ
|
-21.9% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.3% in tier |
| AMR |
$13,163
+2.4% YoY-2.8% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
12.4%
+14.0% YoY+5.7% QoQ
|
-12.0% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.1%
-38.1% YoY-6.9% QoQ
|
-13.9% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Organic Growth Leader
growth
#2 of 430 • Top 0.1% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
35.08%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#37 of 603 • Top 2.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
35.08%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.01%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.06%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Emerging Performer
growth
#63 of 627 • Top 3.3% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.01%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
35.08%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#800 of 1006 • Top 29.0% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
2.44%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#931 of 1006 • Top 33.8% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
2.44%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.9K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (3)
Growth-at-Risk
risk
#15 of 446 • Bottom 0.9% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
16.63%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.54% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#125 of 736 • Bottom 5.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.54% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Efficiency Drag
risk
#521 of 521 • Bottom 29.5% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
80.54%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.59% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
35.08%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
New qualifier
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 (7 metrics)
5
Asset Growth Rate
growth
Value:
58.10%
Peer Avg: 4.70%
#5 of 1077
Top 0.4% in 100M-500M tier
7
Deposit Growth Rate
growth
Value:
52.85%
Peer Avg: 4.69%
#7 of 1077
Top 0.6% in 100M-500M tier
10
Member Growth Rate
growth
Value:
35.08%
Peer Avg: 0.72%
#10 of 1077
Top 0.8% in 100M-500M tier
62
Loan Growth Rate
growth
Value:
16.63%
Peer Avg: 3.45%
#62 of 1077
Top 5.7% in 100M-500M tier
76
First Mortgage Concentration (%)
balance_sheet
Value:
5.80%
Peer Avg: 30.43%
#76 of 1077
Top 7.0% in 100M-500M tier
165
Members Per Employee (MPE)
engagement
Value:
422.226
Peer Avg: 332.881
#165 of 1077
Top 15.2% in 100M-500M tier
169
Share Certificate Concentration (%)
balance_sheet
Value:
12.36%
Peer Avg: 23.61%
#169 of 1077
Top 15.6% in 100M-500M tier
Top Weaknesses (7 metrics)
1045
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,436
Peer Avg: $10,245
#1045 of 1077
Bottom 3.1% in 100M-500M tier
1028
Average Member Relationship (AMR)
engagement
Value:
$13,163
Peer Avg: $24,363
#1028 of 1077
Bottom 4.6% in 100M-500M tier
985
Total Loans
balance_sheet
Value:
$58.06M
Peer Avg: $147.80M
#985 of 1077
Bottom 8.6% in 100M-500M tier
955
Loan-to-Share Ratio
balance_sheet
Value:
50.83%
Peer Avg: 72.70%
#955 of 1077
Bottom 11.4% in 100M-500M tier
868
Total Assets
balance_sheet
Value:
$128.30M
Peer Avg: $231.30M
#868 of 1077
Bottom 19.5% in 100M-500M tier
855
Total Deposits
balance_sheet
Value:
$114.22M
Peer Avg: $200.29M
#855 of 1077
Bottom 20.7% in 100M-500M tier
854
Net Worth Ratio
risk
Value:
9.51%
Peer Avg: 12.15%
#854 of 1077
Bottom 20.8% in 100M-500M tier