BlastPoint's Credit Union Scorecard
CLIFTON NJ POSTAL EMPLOYEES
Charter #277 · NJ
2596 CUs in <100M nationally
101 in NJ
CLIFTON NJ POSTAL EMPLOYEES has 3 strengths but faces 13 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 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 34.51% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Member decline: -4.7% YoY
- - Loan Growth Rate: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 5.4% in tier
- - Total Loans: Bottom 6.0% in tier
- - Total Members: Bottom 6.2% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
- - Total Deposits: Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
- - Asset Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
246
-4.7% YoY-2.0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 6.0% in tier |
| Assets |
$2.2M
-6.9% YoY+0.3% QoQ
|
$-27.7M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.6% in tier |
| Loans |
$362,946
-25.9% YoY-7.0% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.0% in tier |
| Deposits |
$1.2M
-13.0% YoY-0.8% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.0% in tier |
| ROA |
-0.5%
-2351.0% YoY-9.4% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.6% in tier |
| NIM |
3.1%
-9.3% YoY-1.5% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
115.9%
+16.7% YoY-1.2% QoQ
|
+34.5% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.8% in tier |
| Delinquency Rate |
1.7%
-77.1% YoY-78.6% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
30.7%
-14.9% YoY-6.2% QoQ
|
-30.6% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.7% in tier |
| AMR |
$6,286
-12.4% YoY-0.4% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.7% in tier |
| CD Concentration |
25.5%
-13.2% YoY+5.3% QoQ
|
+1.1% |
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 (3 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
25
Net Worth Ratio
risk
Value:
51.07%
Peer Avg: 16.43%
#25 of 2596
Top 0.9% in <100M tier
Top Weaknesses (19 metrics)
2501
Loan Growth Rate
growth
Value:
-25.94%
Peer Avg: 59.01%
#2501 of 2596
Bottom 3.7% in <100M tier
2481
Deposit Growth Rate
growth
Value:
-13.00%
Peer Avg: 16.80%
#2481 of 2596
Bottom 4.5% in <100M tier
2472
Efficiency Ratio
profitability
Value:
115.90%
Peer Avg: 81.39%
#2472 of 2596
Bottom 4.8% in <100M tier
2456
AMR Growth Rate
growth
Value:
-12.35%
Peer Avg: 4.67%
#2456 of 2596
Bottom 5.4% in <100M tier
2440
Total Loans
balance_sheet
Value:
$362,946
Peer Avg: $15.77M
#2440 of 2596
Bottom 6.0% in <100M tier
2437
Total Members
engagement
Value:
246
Peer Avg: 2,626
#2437 of 2596
Bottom 6.2% in <100M tier
2398
Members Per Employee (MPE)
engagement
Value:
123.000
Peer Avg: 365.701
#2398 of 2596
Bottom 7.7% in <100M tier
2389
Total Deposits
balance_sheet
Value:
$1.18M
Peer Avg: $25.45M
#2389 of 2596
Bottom 8.0% in <100M tier
2374
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,475
Peer Avg: $5,488
#2374 of 2596
Bottom 8.6% in <100M tier
2373
Return on Assets (ROA)
profitability
Value:
-0.52%
Peer Avg: 0.68%
#2373 of 2596
Bottom 8.6% in <100M tier