BlastPoint's Credit Union Scorecard
JERSEY CITY POLICE
Charter #6944 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
JERSEY CITY POLICE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.85% above tier average
- + Net Interest Margin 1.09% above tier average
- + Net Worth Ratio: Top 7.9% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.72% above tier average
- - Deposit Growth Rate: Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 5.1% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,020
-1.9% YoY-0.7% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$8.1M
-9.0% YoY+1.3% QoQ
|
$-22.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$1.8M
-10.4% YoY-10.5% QoQ
|
$-13.4M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
17% |
| Deposits |
$5.9M
-14.9% YoY+1.1% QoQ
|
$-19.9M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
2.0%
+7.0% YoY-28.0% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 6.5% in tier |
| NIM |
5.1%
+14.7% YoY-6.3% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 10.2% in tier |
| Efficiency Ratio |
56.8%
-8.8% YoY+8.3% QoQ
|
-33.8% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 9.1% in tier |
| Delinquency Rate |
2.2%
+97.9% YoY-7.2% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
31.4%
+5.3% YoY-11.5% QoQ
|
-27.1% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.6% in tier |
| AMR |
$7,548
-12.2% YoY-1.3% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
162
Return on Assets (ROA)
profitability
Value:
2.00%
Peer Median: 0.61%
#162 of 2508
Top 6.4% in <100M tier
199
Net Worth Ratio
risk
Value:
27.27%
Peer Median: 14.28%
#199 of 2508
Top 7.9% in <100M tier
228
Efficiency Ratio
profitability
Value:
56.79%
Peer Median: 81.45%
#228 of 2508
Top 9.1% in <100M tier
256
Net Interest Margin (NIM)
profitability
Value:
5.10%
Peer Median: 3.83%
#256 of 2508
Top 10.2% in <100M tier
Top Weaknesses (10 metrics)
2439
Deposit Growth Rate
growth
Value:
-14.91%
Peer Median: 0.66%
#2439 of 2508
Bottom 2.8% in <100M tier
2381
AMR Growth Rate
growth
Value:
-12.18%
Peer Median: 1.27%
#2381 of 2508
Bottom 5.1% in <100M tier
2362
Asset Growth Rate
growth
Value:
-9.04%
Peer Median: 1.30%
#2362 of 2508
Bottom 5.9% in <100M tier
2333
Net Charge-Off Rate
risk
Value:
1.88%
Peer Median: 0.07%
#2333 of 2508
Bottom 7.0% in <100M tier
2222
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,804
Peer Median: $4,923
#2222 of 2508
Bottom 11.4% in <100M tier
2189
Loan-to-Share Ratio
balance_sheet
Value:
31.41%
Peer Median: 58.72%
#2189 of 2508
Bottom 12.8% in <100M tier
2084
Total Loans
balance_sheet
Value:
$1.84M
Peer Median: $9.48M
#2084 of 2508
Bottom 16.9% in <100M tier
2083
Average Member Relationship (AMR)
engagement
Value:
$7,548
Peer Median: $13,926
#2083 of 2508
Bottom 17.0% in <100M tier
2082
Total Delinquency Rate (60+ days)
risk
Value:
2.22%
Peer Median: 0.65%
#2082 of 2508
Bottom 17.0% in <100M tier
1976
Loan Growth Rate
growth
Value:
-10.37%
Peer Median: -2.36%
#1976 of 2508
Bottom 21.3% in <100M tier