BlastPoint's Credit Union Scorecard
BAYONNE SCHOOL EMPLOYEES
Charter #2641 · NJ
2596 CUs in <100M nationally
101 in NJ
BAYONNE SCHOOL EMPLOYEES has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Strong member growth: 42.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Efficiency Ratio: Top 2.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 2.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 5.9% in tier
- - Total Loans: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,055
+42.6% YoY+40.3% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$3.9M
+3.3% YoY-55.9% QoQ
|
$-26.0M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$380,402
-2.3% YoY-5.5% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.3% in tier |
| Deposits |
$3.3M
+2.0% YoY-60.2% QoQ
|
$-22.2M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
17% |
| ROA |
1.4%
-26.2% YoY-1.8% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
2.4%
-26.7% YoY+5.1% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
42.4%
+0.2% YoY+11.1% QoQ
|
-39.0% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.7% in tier |
| Delinquency Rate |
0.6%
+41.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
11.6%
-4.2% YoY+137.4% QoQ
|
-49.7% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.0% in tier |
| AMR |
$3,476
-28.8% YoY-69.8% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.4% in tier |
| CD Concentration | 0.0% | -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 (7 metrics)
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
20
Member Growth Rate
growth
Value:
42.57%
Peer Avg: 14.92%
#20 of 2596
Top 0.7% in <100M tier
71
Efficiency Ratio
profitability
Value:
42.36%
Peer Avg: 81.39%
#71 of 2596
Top 2.7% 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
596
Return on Assets (ROA)
profitability
Value:
1.39%
Peer Avg: 0.68%
#596 of 2596
Top 22.9% in <100M tier
Top Weaknesses (9 metrics)
2567
AMR Growth Rate
growth
Value:
-28.76%
Peer Avg: 4.67%
#2567 of 2596
Bottom 1.2% in <100M tier
2539
Loan-to-Share Ratio
balance_sheet
Value:
11.58%
Peer Avg: 61.23%
#2539 of 2596
Bottom 2.2% in <100M tier
2525
Loan-to-Member Ratio (LMR)
engagement
Value:
$360.57
Peer Avg: $5,488
#2525 of 2596
Bottom 2.8% in <100M tier
2457
Average Member Relationship (AMR)
engagement
Value:
$3,476
Peer Avg: $14,627
#2457 of 2596
Bottom 5.4% in <100M tier
2443
Net Interest Margin (NIM)
profitability
Value:
2.36%
Peer Avg: 3.93%
#2443 of 2596
Bottom 5.9% in <100M tier
2432
Total Loans
balance_sheet
Value:
$380,402
Peer Avg: $15.77M
#2432 of 2596
Bottom 6.4% in <100M tier
2289
Fee Income Per Member
profitability
Value:
$3.15
Peer Avg: $182.96
#2289 of 2596
Bottom 11.9% in <100M tier
2185
Total Assets
balance_sheet
Value:
$3.89M
Peer Avg: $29.86M
#2185 of 2596
Bottom 15.9% in <100M tier
2152
Total Deposits
balance_sheet
Value:
$3.29M
Peer Avg: $25.45M
#2152 of 2596
Bottom 17.1% in <100M tier