BlastPoint's Credit Union Scorecard
COMMUNITY FINANCIAL SERVICES
Charter #6179 · NJ
COMMUNITY FINANCIAL SERVICES faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 26.98% above tier (higher cost structure)
- - Delinquency rate 1.34% above tier average
- - Loan Growth Rate: Bottom 7.3% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -4.8% year over year ($27.0M in shares and deposits).
- Membership: 2,783 members, -0.2% vs a year ago.
- Delinquency rate 2.88%.
- Return on assets 0.73%.
- Efficiency ratio 115.75% vs a 88.77% peer average.
- Loan-to-share ratio 37.44% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,783
-0.2% YoY+2.4% QoQ
|
+197 |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$30.6M
-4.9% YoY-3.2% QoQ
|
+$364K |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$10.1M
-19.2% YoY+0.1% QoQ
|
$-5.3M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$27.0M
-4.8% YoY-3.4% QoQ
|
+$1.2M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.7%
-429.4% YoY-182.1% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.8%
+2.3% YoY+4.6% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
115.7%
+10.5% YoY-3.5% QoQ
|
+27.0% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate |
2.9%
-78.8% YoY-2.3% QoQ
|
+1.3 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
37.4%
-15.1% YoY+3.6% QoQ
|
-21.5% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$13,349
-9.0% YoY-4.7% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
6.9%
+20.8% YoY+15.8% QoQ
|
-17.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)