BlastPoint's Credit Union Scorecard
NEW JERSEY LAW AND PUBLIC SAFETY
Charter #66130 · NJ
NEW JERSEY LAW AND PUBLIC SAFETY demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.74% above tier average
- + Members Per Employee (MPE): Top 0.8% in tier
- + Total Members: Top 4.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,437
-1.9% YoY-0.3% QoQ
|
+4.8K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 4.6% in tier |
| Assets |
$64.9M
+7.0% YoY+2.0% QoQ
|
+$34.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 14.8% in tier |
| Loans |
$39.7M
-4.3% YoY-0.8% QoQ
|
+$24.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 10.6% in tier |
| Deposits |
$52.4M
+6.8% YoY+1.8% QoQ
|
+$26.7M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
1.4%
+4.6% YoY-30.4% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.9%
+0.8% YoY-13.7% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
67.8%
+2.0% YoY+12.5% QoQ
|
-14.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.1%
-13.3% YoY-61.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
75.8%
-10.4% YoY-2.6% QoQ
|
+15.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$12,389
+3.8% YoY+1.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
20.7%
+2.2% YoY-5.6% QoQ
|
-3.7% | 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)