BlastPoint's Credit Union Scorecard
ELIZABETH POLICE DEPARTMENT E
Charter #3356 · NJ
2596 CUs in <100M nationally
101 in NJ
ELIZABETH POLICE DEPARTMENT E has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.27% 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 1.0% in tier
- + Loan-to-Share Ratio: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.57% below tier average
- - Efficiency ratio 32.77% above tier (higher cost structure)
- - Delinquency rate 4.76% above tier average
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Total Deposits: Bottom 6.3% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
- - Total Members: Bottom 7.6% in tier
- - Total Assets: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
282
-0.7% YoY-2.1% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.7M
-9.0% YoY-3.4% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.5% in tier |
| Loans |
$866,780
-12.0% YoY-2.9% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.5% in tier |
| Deposits |
$856,230
-15.6% YoY-5.9% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.2% in tier |
| ROA |
-0.9%
-161.9% YoY+115.5% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.0% in tier |
| NIM |
6.2%
-23.0% YoY-6.9% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
114.2%
+38.6% YoY+7.6% QoQ
|
+32.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
6.3%
+23.7% YoY+31.8% QoQ
|
+4.8 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 4.2% in tier |
| Loan To Share |
101.2%
+4.3% YoY+3.2% QoQ
|
+40.0% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 3.7% in tier |
| AMR |
$6,110
-13.2% YoY-2.4% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
26
Net Worth Ratio
risk
Value:
50.56%
Peer Avg: 16.43%
#26 of 2596
Top 1.0% in <100M tier
89
Net Interest Margin (NIM)
profitability
Value:
6.20%
Peer Avg: 3.93%
#89 of 2596
Top 3.4% in <100M tier
91
Loan-to-Share Ratio
balance_sheet
Value:
101.23%
Peer Avg: 61.23%
#91 of 2596
Top 3.5% in <100M tier
Top Weaknesses (16 metrics)
2527
Deposit Growth Rate
growth
Value:
-15.61%
Peer Avg: 16.80%
#2527 of 2596
Bottom 2.7% in <100M tier
2505
Members Per Employee (MPE)
engagement
Value:
40.286
Peer Avg: 365.701
#2505 of 2596
Bottom 3.5% in <100M tier
2489
Total Delinquency Rate (60+ days)
risk
Value:
6.27%
Peer Avg: 1.51%
#2489 of 2596
Bottom 4.2% in <100M tier
2470
AMR Growth Rate
growth
Value:
-13.20%
Peer Avg: 4.67%
#2470 of 2596
Bottom 4.9% in <100M tier
2459
Efficiency Ratio
profitability
Value:
114.16%
Peer Avg: 81.39%
#2459 of 2596
Bottom 5.3% in <100M tier
2441
Return on Assets (ROA)
profitability
Value:
-0.89%
Peer Avg: 0.68%
#2441 of 2596
Bottom 6.0% in <100M tier
2434
Total Deposits
balance_sheet
Value:
$856,230
Peer Avg: $25.45M
#2434 of 2596
Bottom 6.3% in <100M tier
2427
Asset Growth Rate
growth
Value:
-9.00%
Peer Avg: 1.82%
#2427 of 2596
Bottom 6.5% in <100M tier
2414
Net Charge-Off Rate
risk
Value:
1.73%
Peer Avg: 0.57%
#2414 of 2596
Bottom 7.0% in <100M tier
2400
Total Members
engagement
Value:
282
Peer Avg: 2,626
#2400 of 2596
Bottom 7.6% in <100M tier