BlastPoint's Credit Union Scorecard
BAYONNE SCHOOL EMPLOYEES
Charter #2641 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
BAYONNE SCHOOL EMPLOYEES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.54% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 3.4% in tier
- + AMR Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.2% YoY
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Total Loans: Bottom 4.7% in tier
- - Net Worth Ratio: Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,012
-5.2% YoY-0.2% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$7.6M
+7.0% YoY+32.9% QoQ
|
$-22.6M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$237,012
-7.5% YoY-35.2% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.7% in tier |
| Deposits |
$7.0M
+6.7% YoY+36.3% QoQ
|
$-18.8M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
1.7%
-31.5% YoY+7.7% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 11.1% in tier |
| NIM |
3.1%
-11.8% YoY+6.9% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
46.1%
+48.3% YoY-2.8% QoQ
|
-44.6% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
3.4%
-13.3% YoY-52.5% QoQ
|
-55.1% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.8% in tier |
| AMR |
$7,149
+12.0% YoY+31.8% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
15% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
86
Efficiency Ratio
profitability
Value:
46.08%
Peer Median: 81.45%
#86 of 2508
Top 3.4% in <100M tier
176
AMR Growth Rate
growth
Value:
11.97%
Peer Median: 1.27%
#176 of 2508
Top 7.0% in <100M tier
278
Return on Assets (ROA)
profitability
Value:
1.69%
Peer Median: 0.61%
#278 of 2508
Top 11.0% in <100M tier
378
Asset Growth Rate
growth
Value:
6.95%
Peer Median: 1.30%
#378 of 2508
Top 15.0% in <100M tier
414
Deposit Growth Rate
growth
Value:
6.73%
Peer Median: 0.66%
#414 of 2508
Top 16.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (8 metrics)
2486
Loan-to-Share Ratio
balance_sheet
Value:
3.39%
Peer Median: 58.72%
#2486 of 2508
Bottom 0.9% in <100M tier
2463
Loan-to-Member Ratio (LMR)
engagement
Value:
$234.20
Peer Median: $4,923
#2463 of 2508
Bottom 1.8% in <100M tier
2390
Total Loans
balance_sheet
Value:
$237,012
Peer Median: $9.48M
#2390 of 2508
Bottom 4.7% in <100M tier
2345
Net Worth Ratio
risk
Value:
8.36%
Peer Median: 14.28%
#2345 of 2508
Bottom 6.5% in <100M tier
2310
Fee Income Per Member
profitability
Value:
$0.99
Peer Median: $60.42
#2310 of 2508
Bottom 7.9% in <100M tier
2122
Average Member Relationship (AMR)
engagement
Value:
$7,149
Peer Median: $13,926
#2122 of 2508
Bottom 15.4% in <100M tier
2098
Member Growth Rate
growth
Value:
-5.15%
Peer Median: -1.37%
#2098 of 2508
Bottom 16.4% in <100M tier
1961
Net Interest Margin (NIM)
profitability
Value:
3.12%
Peer Median: 3.83%
#1961 of 2508
Bottom 21.9% in <100M tier