BlastPoint's Credit Union Scorecard
LIBERTY SAVINGS
Charter #7184 · NJ
LIBERTY SAVINGS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 3.3% in tier
- + Organic Growth Engine: Top 11.4% in tier
- + Net Interest Margin 1.88% above tier average
- + Strong member growth: 7.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 21.1% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 0.73% above tier (higher cost structure)
- - Delinquency rate 1.24% above tier average
- - Average Member Relationship (AMR): Bottom 0.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,233
+7.6% YoY+10.0% QoQ
|
+2.6K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$132.9M
+8.9% YoY+7.8% QoQ
|
$-98.4M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$67.6M
+2.0% YoY+4.0% QoQ
|
$-80.2M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.8% in tier |
| Deposits |
$114.6M
+9.5% YoY+7.2% QoQ
|
$-85.7M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
0.4%
-4473.7% YoY-33.4% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
5.5%
+4.2% YoY+1.4% QoQ
|
+1.9% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
78.0%
-7.7% YoY+9.3% QoQ
|
+0.7% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
2.1%
-11.9% YoY-3.8% QoQ
|
+1.2 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 5.8% in tier |
| Loan To Share |
59.0%
-6.9% YoY-3.0% QoQ
|
-13.7% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$9,993
-1.0% YoY-3.6% QoQ
|
$-14K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 0.3% in tier |
| CD Concentration |
15.6%
-2.1% YoY+3.1% QoQ
|
-8.8% |
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 (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)