BlastPoint's Credit Union Scorecard
ELIZABETH POLICE DEPARTMENT E
Charter #3356 · NJ
2556 CUs in <100M nationally
98 in NJ
ELIZABETH POLICE DEPARTMENT E has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.9% in tier
- + Loan-to-Share Ratio: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 2.16% below tier average
- - Efficiency ratio 42.38% above tier (higher cost structure)
- - Delinquency rate 4.29% above tier average
- - Member decline: -2.1% YoY
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - Total Deposits: Bottom 6.0% in tier
- - Total Members: Bottom 7.4% in tier
- - Asset Growth Rate: Bottom 8.3% in tier
- - Total Assets: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
282
-2.1% YoY0% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 7.3% in tier |
| Assets |
$1.7M
-7.4% YoY-1.2% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.3% in tier |
| Loans |
$878,170
-5.8% YoY+1.3% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.3% in tier |
| Deposits |
$845,496
-12.1% YoY-1.3% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.0% in tier |
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| ROA |
-1.5%
-290.2% YoY+73.2% QoQ
|
-2.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.0% in tier |
| NIM |
6.1%
-18.0% YoY-2.0% QoQ
|
+2.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
124.9%
+40.1% YoY+9.4% QoQ
|
+42.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
5.8%
+2.0% YoY-6.8% QoQ
|
+4.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 5.0% in tier |
| Loan To Share |
103.9%
+7.1% YoY+2.6% QoQ
|
+43.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 3.0% in tier |
| AMR |
$6,112
-7.1% YoY+0.0% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
23
Net Worth Ratio
risk
Value:
50.31%
Peer Median: -
#23 of 2556
Top 0.9% in <100M tier
74
Loan-to-Share Ratio
balance_sheet
Value:
103.86%
Peer Median: -
#74 of 2556
Top 2.9% in <100M tier
92
Net Interest Margin (NIM)
profitability
Value:
6.07%
Peer Median: -
#92 of 2556
Top 3.6% in <100M tier
Top Weaknesses (14 metrics)
2469
Efficiency Ratio
profitability
Value:
124.94%
Peer Median: -
#2469 of 2556
Bottom 3.4% in <100M tier
2467
Members Per Employee (MPE)
engagement
Value:
40.286
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2454
Return on Assets (ROA)
profitability
Value:
-1.54%
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2437
Deposit Growth Rate
growth
Value:
-12.08%
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2429
Total Delinquency Rate (60+ days)
risk
Value:
5.84%
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier
2403
Total Deposits
balance_sheet
Value:
$845,496
Peer Median: -
#2403 of 2556
Bottom 6.0% in <100M tier
2369
Total Members
engagement
Value:
282
Peer Median: -
#2369 of 2556
Bottom 7.4% in <100M tier
2346
Asset Growth Rate
growth
Value:
-7.36%
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2343
Total Assets
balance_sheet
Value:
$1.72M
Peer Median: -
#2343 of 2556
Bottom 8.4% in <100M tier
2294
Total Loans
balance_sheet
Value:
$878,170
Peer Median: -
#2294 of 2556
Bottom 10.3% in <100M tier