BlastPoint's Credit Union Scorecard
ELIZABETH POLICE DEPARTMENT E
Charter #3356 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
ELIZABETH POLICE DEPARTMENT E has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 3.60% above tier average
- + Net Worth Ratio: Top 0.9% in tier
- + Loan-to-Share Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.37% above tier (higher cost structure)
- - Delinquency rate 5.32% above tier average
- - Member decline: -3.8% YoY
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Total Deposits: Bottom 5.9% in tier
- - Total Members: Bottom 7.4% in tier
- - Total Assets: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
280
-3.8% YoY-0.7% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 7.3% in tier |
| Assets |
$1.7M
-5.1% YoY-1.0% QoQ
|
$-28.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.2% in tier |
| Loans |
$850,087
-4.7% YoY-3.2% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.4% in tier |
| Deposits |
$830,583
-8.4% YoY-1.8% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.8% in tier |
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| ROA |
0.5%
-120.7% YoY-130.1% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
7.6%
+51.2% YoY+25.3% QoQ
|
+3.6% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
94.0%
-34.7% YoY-24.8% QoQ
|
+3.4% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
6.8%
+55.7% YoY+16.8% QoQ
|
+5.3 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
102.3%
+4.0% YoY-1.5% QoQ
|
+43.8% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 2.7% in tier |
| AMR |
$6,002
-2.9% YoY-1.8% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
19
Net Interest Margin (NIM)
profitability
Value:
7.61%
Peer Median: 3.83%
#19 of 2508
Top 0.7% in <100M tier
23
Net Worth Ratio
risk
Value:
50.92%
Peer Median: 14.28%
#23 of 2508
Top 0.9% in <100M tier
65
Loan-to-Share Ratio
balance_sheet
Value:
102.35%
Peer Median: 58.72%
#65 of 2508
Top 2.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2419
Members Per Employee (MPE)
engagement
Value:
46.667
Peer Median: 333.750
#2419 of 2508
Bottom 3.6% in <100M tier
2412
Total Delinquency Rate (60+ days)
risk
Value:
6.82%
Peer Median: 0.65%
#2412 of 2508
Bottom 3.9% in <100M tier
2362
Total Deposits
balance_sheet
Value:
$830,583
Peer Median: $18.77M
#2362 of 2508
Bottom 5.9% in <100M tier
2324
Total Members
engagement
Value:
280
Peer Median: 1,918
#2324 of 2508
Bottom 7.4% in <100M tier
2303
Total Assets
balance_sheet
Value:
$1.71M
Peer Median: $21.86M
#2303 of 2508
Bottom 8.2% in <100M tier
2282
Deposit Growth Rate
growth
Value:
-8.41%
Peer Median: 0.66%
#2282 of 2508
Bottom 9.1% in <100M tier
2247
Total Loans
balance_sheet
Value:
$850,087
Peer Median: $9.48M
#2247 of 2508
Bottom 10.4% in <100M tier
2214
Average Member Relationship (AMR)
engagement
Value:
$6,002
Peer Median: $13,926
#2214 of 2508
Bottom 11.8% in <100M tier
2166
Asset Growth Rate
growth
Value:
-5.10%
Peer Median: 1.30%
#2166 of 2508
Bottom 13.7% in <100M tier
2072
Fee Income Per Member
profitability
Value:
$7.66
Peer Median: $60.42
#2072 of 2508
Bottom 17.4% in <100M tier