BlastPoint's Credit Union Scorecard
CLIFTON NJ POSTAL EMPLOYEES
Charter #277 · NJ
CLIFTON NJ POSTAL EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 32.23% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Total Members: Bottom 6.0% in tier
- - Total Loans: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.6% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-4.7% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 5.9% in tier |
| Assets |
$2.1M
-5.1% YoY-2.7% QoQ
|
$-28.0M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.1% in tier |
| Loans |
$454,573
-7.6% YoY+25.2% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.0% in tier |
| Deposits |
$1.1M
-11.6% YoY-5.0% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.6% in tier |
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| ROA |
-0.5%
+582.6% YoY-5.2% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.0% in tier |
| NIM |
3.2%
-4.5% YoY+1.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
114.8%
+12.4% YoY-1.0% QoQ
|
+32.2% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.8%
-89.1% YoY-55.7% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
40.4%
+4.5% YoY+31.8% QoQ
|
-20.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$6,420
-6.1% YoY+2.1% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.0% in tier |
| CD Concentration |
25.0%
-9.1% YoY-1.9% QoQ
|
+0.6% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)