BlastPoint's Credit Union Scorecard
SOUTHERN MIDDLESEX CO TCHRS
Charter #3126 · NJ
SOUTHERN MIDDLESEX CO TCHRS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.22% above tier average
- - Net Interest Margin (NIM): Bottom 8.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,939
-1.7% YoY+0.1% QoQ
|
+313 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$43.7M
+0.7% YoY-6.7% QoQ
|
+$13.8M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$13.2M
-1.2% YoY+1.0% QoQ
|
$-2.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$38.9M
-1.0% YoY-8.0% QoQ
|
+$13.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
75% |
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 |
1.1%
+142.6% YoY+7.4% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
2.6%
+21.1% YoY+4.0% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio |
57.6%
-23.8% YoY-2.4% QoQ
|
-23.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
3.7%
+905.4% YoY+234.0% QoQ
|
+2.2 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 9.0% in tier |
| Loan To Share |
33.9%
-0.3% YoY+9.8% QoQ
|
-27.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.1% in tier |
| AMR |
$17,699
+0.7% YoY-6.0% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
28.8%
+12.7% YoY+11.3% QoQ
|
+4.3% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)