BlastPoint's Credit Union Scorecard
JERSEY CITY POLICE
Charter #6944 · NJ
JERSEY CITY POLICE demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.10% above tier average
- + Net Interest Margin 1.33% 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 6.5% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,032
-0.9% YoY-0.3% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$8.2M
-3.1% YoY-0.7% QoQ
|
$-21.7M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$2.0M
-9.4% YoY-0.1% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$6.1M
-7.4% YoY-2.1% QoQ
|
$-19.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
2.8%
+152.1% YoY+18.7% QoQ
|
+2.1% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 2.8% in tier |
| NIM |
5.3%
+39.1% YoY+7.5% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
50.5%
-25.3% YoY-9.6% QoQ
|
-30.9% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
1.0%
-23.5% YoY-5.0% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
33.0%
-2.1% YoY+2.1% QoQ
|
-28.2% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.4% in tier |
| AMR |
$7,832
-7.1% YoY-1.3% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)