BlastPoint's Credit Union Scorecard
CLIFTON NJ POSTAL EMPLOYEES
Charter #277 · NJ
CLIFTON NJ POSTAL EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 14.70% above tier (higher cost structure)
- - Delinquency rate 5.68% above tier average
- - Member decline: -3.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
- - Total Members: Bottom 6.0% in tier
- - Total Loans: Bottom 6.6% in tier
- - Total Deposits: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
244
-3.2% YoY-0.8% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$2.1M
-3.1% YoY+0.6% QoQ
|
$-28.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.0% in tier |
| Loans |
$397,853
-9.8% YoY-12.5% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.5% in tier |
| Deposits |
$1.2M
-6.2% YoY+2.7% QoQ
|
$-24.6M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.2%
-64.2% YoY-60.6% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.5%
+13.5% YoY+11.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
105.3%
-9.8% YoY-8.2% QoQ
|
+14.7% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate |
7.2%
+380.4% YoY+840.1% QoQ
|
+5.7 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.5% in tier |
| Loan To Share |
34.4%
-3.9% YoY-14.8% QoQ
|
-24.1% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$6,365
-4.1% YoY-0.8% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
24.3%
+4.3% YoY-2.8% QoQ
|
+0.0% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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)