BlastPoint's Credit Union Scorecard
LAKEHURST NAVAL
Charter #7958 · NJ
LAKEHURST NAVAL has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.05% above tier average
- + Fee Income Per Member: Top 0.3% in tier
- + Efficiency Ratio: Top 1.2% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.27% above tier average
- - Member decline: -3.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
- - Loan-to-Share Ratio: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,821
-3.8% YoY-0.5% QoQ
|
-855 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$39.6M
-2.3% YoY-2.5% QoQ
|
+$9.4M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$9.4M
-1.0% YoY-3.7% QoQ
|
$-5.9M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$34.5M
-2.8% YoY-4.0% QoQ
|
+$8.7M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
4.2%
+1903.0% YoY+1342.6% QoQ
|
+4.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 0.9% in tier |
| NIM |
3.5%
+30.9% YoY+24.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
32.9%
-53.5% YoY-57.1% QoQ
|
-57.7% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
3.8%
+86.6% YoY+21.2% QoQ
|
+2.3 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
27.3%
+1.9% YoY+0.3% QoQ
|
-31.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.1% in tier |
| AMR |
$24,106
+1.4% YoY-3.5% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 10.3% in tier |
| CD Concentration |
27.5%
+21.7% YoY+3.6% QoQ
|
+3.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)