BlastPoint's Credit Union Scorecard
PUBLIC SERVICE H C EMPLOYEES
Charter #9082 · NJ
2556 CUs in <100M nationally
98 in NJ
PUBLIC SERVICE H C EMPLOYEES has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.04% above tier average
- + Net Interest Margin 0.46% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.1% YoY
- - Loan-to-Share Ratio: Bottom 3.8% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
- - Total Loans: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
633
-6.1% YoY-3.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$7.4M
-5.5% YoY+0.7% QoQ
|
$-22.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$809,010
-0.5% YoY+0.9% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.6% in tier |
| Deposits |
$4.5M
-10.8% YoY+0.3% QoQ
|
$-21.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.7%
+58.3% YoY-14.5% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 12.2% in tier |
| NIM |
4.4%
+13.2% YoY-2.7% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
60.6%
-15.3% YoY+5.0% QoQ
|
-21.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
17.8%
+11.5% YoY+0.6% QoQ
|
-42.8% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.7% in tier |
| AMR |
$8,449
-3.5% YoY+3.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
73
Net Worth Ratio
risk
Value:
38.06%
Peer Median: -
#73 of 2556
Top 2.8% in <100M tier
312
Return on Assets (ROA)
profitability
Value:
1.66%
Peer Median: -
#312 of 2556
Top 12.2% in <100M tier
314
Efficiency Ratio
profitability
Value:
60.62%
Peer Median: -
#314 of 2556
Top 12.2% in <100M tier
Top Weaknesses (12 metrics)
2459
Loan-to-Share Ratio
balance_sheet
Value:
17.82%
Peer Median: -
#2459 of 2556
Bottom 3.8% in <100M tier
2402
Deposit Growth Rate
growth
Value:
-10.77%
Peer Median: -
#2402 of 2556
Bottom 6.1% in <100M tier
2375
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,278
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2311
Total Loans
balance_sheet
Value:
$809,010
Peer Median: -
#2311 of 2556
Bottom 9.6% in <100M tier
2245
Member Growth Rate
growth
Value:
-6.08%
Peer Median: -
#2245 of 2556
Bottom 12.2% in <100M tier
2237
Asset Growth Rate
growth
Value:
-5.50%
Peer Median: -
#2237 of 2556
Bottom 12.5% in <100M tier
2170
Fee Income Per Member
profitability
Value:
$6.57
Peer Median: -
#2170 of 2556
Bottom 15.1% in <100M tier
2112
Total Members
engagement
Value:
633
Peer Median: -
#2112 of 2556
Bottom 17.4% in <100M tier
2078
Net Charge-Off Rate
risk
Value:
0.89%
Peer Median: -
#2078 of 2556
Bottom 18.7% in <100M tier
2024
Average Member Relationship (AMR)
engagement
Value:
$8,449
Peer Median: -
#2024 of 2556
Bottom 20.9% in <100M tier