BlastPoint's Credit Union Scorecard
FEDERAL EMPLOYEES NEWARK
Charter #4894 · NJ
FEDERAL EMPLOYEES NEWARK has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.53% below tier average
- - Efficiency ratio 25.25% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,354
+0.6% YoY-0.1% QoQ
|
-271 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$15.0M
-2.1% YoY-0.4% QoQ
|
$-14.8M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$8.7M
-3.5% YoY-3.1% QoQ
|
$-7.1M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$12.5M
-1.9% YoY-0.7% QoQ
|
$-12.9M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
-0.8%
+226.9% YoY-5.6% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.3% in tier |
| NIM |
3.3%
+2.6% YoY+2.8% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
106.6%
-0.6% YoY-0.9% QoQ
|
+25.3% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 7.4% in tier |
| Delinquency Rate |
0.1%
-84.7% YoY-66.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
69.1%
-1.6% YoY-2.5% QoQ
|
+7.9% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$8,995
-3.1% YoY-1.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
29.8%
+4.3% YoY-2.1% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% 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)