BlastPoint's Credit Union Scorecard
PUBLIC SERVICE H C EMPLOYEES
Charter #9082 · NJ
2596 CUs in <100M nationally
101 in NJ
PUBLIC SERVICE H C EMPLOYEES has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.26% above tier average
- + Net Interest Margin 0.61% above tier average
- + 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 Charge-Off Rate: Top 1.9% in tier
- + Net Worth Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.9% YoY
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
654
-4.9% YoY-0.8% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$7.3M
-6.4% YoY-1.8% QoQ
|
$-22.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$801,460
+1.7% YoY-3.6% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.0% in tier |
| Deposits |
$4.5M
-11.8% YoY-3.0% QoQ
|
$-20.9M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
22% |
| ROA |
1.9%
+95.9% YoY-1.9% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 10.0% in tier |
| NIM |
4.5%
+22.1% YoY+3.2% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
57.7%
-18.7% YoY+3.9% QoQ
|
-23.6% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.6%
-40.3% YoY+0.3% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
45% |
| Loan To Share |
17.7%
+15.3% YoY-0.6% QoQ
|
-43.5% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.7% in tier |
| AMR |
$8,146
-5.4% YoY-2.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% |
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 (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
50
Net Charge-Off Rate
risk
Value:
-0.29%
Peer Avg: 0.57%
#50 of 2596
Top 1.9% in <100M tier
70
Net Worth Ratio
risk
Value:
38.14%
Peer Avg: 16.43%
#70 of 2596
Top 2.7% in <100M tier
260
Return on Assets (ROA)
profitability
Value:
1.94%
Peer Avg: 0.68%
#260 of 2596
Top 10.0% in <100M tier
304
Efficiency Ratio
profitability
Value:
57.75%
Peer Avg: 81.39%
#304 of 2596
Top 11.7% in <100M tier
Top Weaknesses (11 metrics)
2497
Loan-to-Share Ratio
balance_sheet
Value:
17.71%
Peer Avg: 61.23%
#2497 of 2596
Bottom 3.9% in <100M tier
2460
Deposit Growth Rate
growth
Value:
-11.83%
Peer Avg: 16.80%
#2460 of 2596
Bottom 5.3% in <100M tier
2413
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,225
Peer Avg: $5,488
#2413 of 2596
Bottom 7.1% in <100M tier
2337
Total Loans
balance_sheet
Value:
$801,460
Peer Avg: $15.77M
#2337 of 2596
Bottom 10.0% in <100M tier
2320
Asset Growth Rate
growth
Value:
-6.40%
Peer Avg: 1.82%
#2320 of 2596
Bottom 10.7% in <100M tier
2204
Fee Income Per Member
profitability
Value:
$5.69
Peer Avg: $182.96
#2204 of 2596
Bottom 15.1% in <100M tier
2168
AMR Growth Rate
growth
Value:
-5.35%
Peer Avg: 4.67%
#2168 of 2596
Bottom 16.5% in <100M tier
2154
Member Growth Rate
growth
Value:
-4.94%
Peer Avg: 14.92%
#2154 of 2596
Bottom 17.1% in <100M tier
2125
Total Members
engagement
Value:
654
Peer Avg: 2,626
#2125 of 2596
Bottom 18.2% in <100M tier
2073
Average Member Relationship (AMR)
engagement
Value:
$8,146
Peer Avg: $14,627
#2073 of 2596
Bottom 20.2% in <100M tier