BlastPoint's Credit Union Scorecard
COMMUNITY FINANCIAL SERVICES
Charter #6179 ยท NJ
2596 CUs in <100M nationally
101 in NJ
COMMUNITY FINANCIAL SERVICES has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 24.39% above tier (higher cost structure)
- - Delinquency rate 12.57% above tier average
- - Member decline: -13.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Member Growth Rate: Bottom 3.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,768
-13.4% YoY-0.7% QoQ
|
+142 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$31.4M
-2.6% YoY-2.5% QoQ
|
+$1.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$12.3M
-3.6% YoY-1.5% QoQ
|
$-3.4M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$27.5M
-3.0% YoY-3.1% QoQ
|
+$2.1M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
62% |
| ROA |
-0.3%
+237.9% YoY+27.2% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.1% in tier |
| NIM |
3.8%
+5.2% YoY+3.7% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
105.8%
+3.7% YoY+1.0% QoQ
|
+24.4% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
14.1%
+20.1% YoY+3.4% QoQ
|
+12.6 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 1.6% in tier |
| Loan To Share |
44.8%
-0.6% YoY+1.7% QoQ
|
-16.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$14,398
+11.8% YoY-1.9% QoQ
|
$-229 |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
5.8%
-28.8% YoY+0.8% QoQ
|
-18.6% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
184
AMR Growth Rate
growth
Value:
11.81%
Peer Avg: 4.67%
#184 of 2596
Top 7.0% in <100M tier
Top Weaknesses (6 metrics)
2556
Total Delinquency Rate (60+ days)
risk
Value:
14.08%
Peer Avg: 1.51%
#2556 of 2596
Bottom 1.6% in <100M tier
2505
Member Growth Rate
growth
Value:
-13.42%
Peer Avg: 14.92%
#2505 of 2596
Bottom 3.5% in <100M tier
2388
Efficiency Ratio
profitability
Value:
105.79%
Peer Avg: 81.39%
#2388 of 2596
Bottom 8.1% in <100M tier
2308
Return on Assets (ROA)
profitability
Value:
-0.28%
Peer Avg: 0.68%
#2308 of 2596
Bottom 11.1% in <100M tier
1988
Asset Growth Rate
growth
Value:
-2.62%
Peer Avg: 1.82%
#1988 of 2596
Bottom 23.5% in <100M tier
1949
Loan-to-Share Ratio
balance_sheet
Value:
44.84%
Peer Avg: 61.23%
#1949 of 2596
Bottom 25.0% in <100M tier