BlastPoint's Credit Union Scorecard
NEW JERSEY LAW AND PUBLIC SAFETY
Charter #66130 · NJ
NEW JERSEY LAW AND PUBLIC SAFETY demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.78% above tier average
- + Members Per Employee (MPE): Top 1.5% in tier
- + Total Members: Top 4.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -1.3% year over year ($51.2M in shares and deposits).
- Membership: 7,360 members, -1.4% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 1.74%.
- Efficiency ratio 61.16% vs a 88.77% peer average.
- Loan-to-share ratio 76.94% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,360
-1.4% YoY-0.8% QoQ
|
+4.8K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Top 4.3% in tier |
| Assets |
$63.9M
+0.2% YoY+0.0% QoQ
|
+$33.6M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
85% |
| Loans |
$39.4M
-1.4% YoY+0.2% QoQ
|
+$24.0M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Top 10.5% in tier |
| Deposits |
$51.2M
-1.3% YoY-0.4% QoQ
|
+$25.4M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
1.7%
-7.3% YoY+14.6% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 14.1% in tier |
| NIM |
4.7%
+4.3% YoY+0.9% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
61.2%
-2.2% YoY-6.1% QoQ
|
-27.6% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Top 12.6% in tier |
| Delinquency Rate |
0.3%
-49.7% YoY+48.8% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
76.9%
-0.1% YoY+0.7% QoQ
|
+18.1% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$12,318
+0.0% YoY+0.7% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
20.4%
-11.3% YoY-1.1% QoQ
|
-4.1% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)