BlastPoint's Credit Union Scorecard
LAKEHURST NAVAL
Charter #7958 · NJ
LAKEHURST NAVAL has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.36% above tier average
- - Member decline: -3.6% YoY
- - Loan-to-Share Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,846
-3.6% YoY-1.0% QoQ
|
-779 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$40.3M
+7.2% YoY+2.9% QoQ
|
+$10.5M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$9.8M
+0.6% YoY+2.9% QoQ
|
$-6.0M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$35.5M
+7.3% YoY+2.6% QoQ
|
+$10.0M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
1.0%
-33.1% YoY+51.2% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.0%
+11.1% YoY+11.3% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
70.4%
-6.3% YoY-5.5% QoQ
|
-11.0% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
2.9%
-15.1% YoY-1.9% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 12.8% in tier |
| Loan To Share |
27.5%
-6.2% YoY+0.3% QoQ
|
-33.7% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.0% in tier |
| AMR |
$24,515
+9.7% YoY+3.7% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Top 8.9% in tier |
| CD Concentration |
25.6%
+36.4% YoY+13.2% QoQ
|
+1.2% |
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)