BlastPoint's Credit Union Scorecard
COMMUNITY FINANCIAL SERVICES
Charter #6179 · NJ
COMMUNITY FINANCIAL SERVICES has 1 strength but faces 7 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 1.39% below tier average
- - Efficiency ratio 25.77% above tier (higher cost structure)
- - Delinquency rate 1.07% above tier average
- - Member decline: -8.4% YoY
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Member Growth Rate: Bottom 7.3% in tier
- - Loan Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,726
-8.4% YoY-1.5% QoQ
|
+110 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$30.9M
-2.3% YoY-1.8% QoQ
|
+$719K |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$10.6M
-17.5% YoY-14.2% QoQ
|
$-5.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$27.1M
-3.0% YoY-1.4% QoQ
|
+$1.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
-0.8%
+85.9% YoY+173.7% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.9% in tier |
| NIM |
3.9%
+2.7% YoY+1.3% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
108.3%
+4.6% YoY+2.4% QoQ
|
+25.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
2.6%
-80.4% YoY-81.3% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
39.0%
-15.0% YoY-12.9% QoQ
|
-21.6% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$13,835
+1.0% YoY-3.9% QoQ
|
$-948 |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
6.3%
-19.1% YoY+8.9% QoQ
|
-18.1% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)