BlastPoint's Credit Union Scorecard
HOBOKEN N J POLICE
Charter #9075 · NJ
2596 CUs in <100M nationally
101 in NJ
HOBOKEN N J POLICE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.88% below tier average
- - Efficiency ratio 6.64% above tier (higher cost structure)
- - Delinquency rate 3.03% above tier average
- - Share Certificate Concentration (%): Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
782
+0.1% YoY-0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$10.3M
-3.3% YoY-1.9% QoQ
|
$-19.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$6.9M
-7.3% YoY-4.1% QoQ
|
$-8.9M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$7.7M
-4.5% YoY-3.1% QoQ
|
$-17.8M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
31% |
| ROA |
-0.2%
-167.1% YoY-148.6% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.4% in tier |
| NIM |
3.9%
+11.8% YoY-0.2% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
88.0%
-2.3% YoY+0.4% QoQ
|
+6.6% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
4.5%
+50.8% YoY+25.9% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 6.9% in tier |
| Loan To Share |
89.6%
-2.9% YoY-1.0% QoQ
|
+28.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 11.3% in tier |
| AMR |
$18,581
-5.9% YoY-3.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
62.5%
+5.0% YoY+2.2% QoQ
|
+38.1% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
289
Loan-to-Share Ratio
balance_sheet
Value:
89.64%
Peer Avg: 61.23%
#289 of 2596
Top 11.1% in <100M tier
330
Net Worth Ratio
risk
Value:
23.83%
Peer Avg: 16.43%
#330 of 2596
Top 12.7% in <100M tier
340
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,783
Peer Avg: $5,488
#340 of 2596
Top 13.1% in <100M tier
Top Weaknesses (8 metrics)
2571
Share Certificate Concentration (%)
balance_sheet
Value:
62.51%
Peer Avg: 15.37%
#2571 of 2596
Bottom 1.0% in <100M tier
2417
Total Delinquency Rate (60+ days)
risk
Value:
4.54%
Peer Avg: 1.51%
#2417 of 2596
Bottom 6.9% in <100M tier
2273
Return on Assets (ROA)
profitability
Value:
-0.20%
Peer Avg: 0.68%
#2273 of 2596
Bottom 12.5% in <100M tier
2210
AMR Growth Rate
growth
Value:
-5.95%
Peer Avg: 4.67%
#2210 of 2596
Bottom 14.9% in <100M tier
2166
Fee Income Per Member
profitability
Value:
$7.41
Peer Avg: $182.96
#2166 of 2596
Bottom 16.6% in <100M tier
2094
Deposit Growth Rate
growth
Value:
-4.48%
Peer Avg: 16.80%
#2094 of 2596
Bottom 19.4% in <100M tier
2072
Asset Growth Rate
growth
Value:
-3.32%
Peer Avg: 1.82%
#2072 of 2596
Bottom 20.2% in <100M tier
2015
Total Members
engagement
Value:
782
Peer Avg: 2,626
#2015 of 2596
Bottom 22.4% in <100M tier