BlastPoint's Credit Union Scorecard
DIVISION 819 TRANSIT EMPLOYEES
Charter #62855 · NJ
DIVISION 819 TRANSIT EMPLOYEES has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Net Interest Margin 1.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.31% above tier average
- - Member decline: -4.5% YoY
- - Net Charge-Off Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,504
-4.5% YoY-5.9% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$15.3M
+2.7% YoY-0.3% QoQ
|
$-14.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$6.4M
-3.9% YoY+2.7% QoQ
|
$-9.4M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$12.4M
+1.1% YoY-1.3% QoQ
|
$-13.3M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
1.7%
-449.2% YoY+35.8% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 10.7% in tier |
| NIM |
5.1%
+23.3% YoY+9.5% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 12.6% in tier |
| Efficiency Ratio |
56.8%
-25.9% YoY-5.8% QoQ
|
-25.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
1.9%
-29.2% YoY-35.3% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
51.3%
-4.9% YoY+4.1% QoQ
|
-9.3% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$12,503
+4.0% YoY+6.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration | 0.0% | -24.4% | 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)