BlastPoint's Credit Union Scorecard
PUBLIC SERVICE H C EMPLOYEES
Charter #9082 · NJ
PUBLIC SERVICE H C EMPLOYEES has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + Net Interest Margin 0.17% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.5% YoY
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 6.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Total Loans: Bottom 9.4% in tier
- - Member Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
614
-7.5% YoY-3.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$7.2M
-4.4% YoY-2.4% QoQ
|
$-23.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$734,828
-8.7% YoY-9.2% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.4% in tier |
| Deposits |
$4.3M
-10.0% YoY-5.3% QoQ
|
$-21.5M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
0.9%
-52.0% YoY-48.0% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
4.2%
-5.1% YoY-5.5% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
79.5%
+33.5% YoY+31.2% QoQ
|
-11.1% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
17.1%
+1.5% YoY-4.1% QoQ
|
-41.4% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.8% in tier |
| AMR |
$8,198
-2.5% YoY-3.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration | 0.0% | -24.3% | 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)