BlastPoint's Credit Union Scorecard
SOUTHERN MIDDLESEX CO TCHRS
Charter #3126 · NJ
SOUTHERN MIDDLESEX CO TCHRS has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.02% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 8.0% in tier
- + Members Per Employee (MPE): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,887
-2.1% YoY-0.9% QoQ
|
+210 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$47.6M
+3.9% YoY+3.9% QoQ
|
+$17.4M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$12.7M
-2.9% YoY-1.4% QoQ
|
$-2.6M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$42.6M
+2.7% YoY+4.3% QoQ
|
+$16.8M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
1.2%
+55.5% YoY+1.5% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
2.6%
+16.5% YoY+0.6% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
55.4%
-17.8% YoY-2.6% QoQ
|
-35.2% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
0.0%
-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 |
29.8%
-5.5% YoY-5.5% QoQ
|
-28.7% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$19,137
+3.6% YoY+3.8% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
27.0%
+5.8% YoY-3.5% QoQ
|
+2.7% | 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)