BlastPoint's Credit Union Scorecard
HOBOKEN N J POLICE
Charter #9075 · NJ
HOBOKEN N J POLICE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 7.77% above tier (higher cost structure)
- - Delinquency rate 1.64% above tier average
- - Share Certificate Concentration (%): Bottom 1.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
776
-1.0% YoY-0.1% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$10.5M
+1.2% YoY+0.5% QoQ
|
$-19.7M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$6.7M
-10.1% YoY-0.9% QoQ
|
$-8.6M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$7.9M
+1.9% YoY+1.2% QoQ
|
$-17.9M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
0.0%
-99.0% YoY-102.9% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
21% |
| NIM |
4.0%
-4.0% YoY+3.9% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
98.4%
+24.3% YoY+8.7% QoQ
|
+7.8% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
3.1%
+120.3% YoY-12.2% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.6% in tier |
| Loan To Share |
84.8%
-11.8% YoY-2.1% QoQ
|
+26.3% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 13.1% in tier |
| AMR |
$18,701
-3.0% YoY+0.4% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
62.4%
+3.1% YoY-3.6% QoQ
|
+38.1% | 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)