BlastPoint's Credit Union Scorecard
FEDERAL EMPLOYEES NEWARK
Charter #4894 · NJ
FEDERAL EMPLOYEES NEWARK has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 13.0% YoY
- + Member Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 18.45% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.1% in tier
- - First Mortgage Concentration (%): Bottom 3.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,662
+13.0% YoY+0.7% QoQ
|
-14 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$14.8M
-4.2% YoY-0.3% QoQ
|
$-15.4M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$8.2M
-3.9% YoY-5.8% QoQ
|
$-7.1M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$12.3M
-4.8% YoY-0.2% QoQ
|
$-13.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
-0.7%
-58.0% YoY-4.8% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.2% in tier |
| NIM |
3.2%
+10.2% YoY-5.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
109.1%
-15.1% YoY+3.4% QoQ
|
+18.4% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.0% in tier |
| Delinquency Rate |
0.1%
-74.7% YoY+6.1% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
66.5%
+1.0% YoY-5.5% QoQ
|
+8.0% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$7,685
-15.4% YoY-3.2% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
28.5%
-6.7% YoY-5.6% QoQ
|
+4.2% | 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)