BlastPoint's Credit Union Scorecard
COMMUNITY FINANCIAL SERVICES
Charter #6179 · NJ
COMMUNITY FINANCIAL SERVICES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Efficiency ratio 29.27% above tier (higher cost structure)
- - Delinquency rate 1.44% above tier average
- - Member decline: -9.9% YoY
- - Member Growth Rate: Bottom 6.4% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,718
-9.9% YoY-0.3% QoQ
|
+41 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$31.7M
-4.8% YoY+2.6% QoQ
|
+$1.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$10.1M
-19.5% YoY-4.6% QoQ
|
$-5.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$28.0M
-5.2% YoY+3.1% QoQ
|
+$2.2M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
-0.9%
+197.5% YoY+15.4% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.1% in tier |
| NIM |
3.6%
-0.3% YoY-6.9% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
119.9%
+12.1% YoY+10.7% QoQ
|
+29.3% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
2.9%
-78.8% YoY+12.2% QoQ
|
+1.4 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.8% in tier |
| Loan To Share |
36.1%
-15.1% YoY-7.5% QoQ
|
-22.4% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$14,011
+0.4% YoY+1.3% QoQ
|
$-873 |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
6.0%
-14.8% YoY-5.0% QoQ
|
-18.3% | 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)