BlastPoint's Credit Union Scorecard
NEW JERSEY COMMUNITY
Charter #9555 · NJ
NEW JERSEY COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.75% above tier average
- - Member decline: -3.9% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
792
-3.9% YoY-1.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$8.8M
+2.0% YoY-1.2% QoQ
|
$-21.4M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$2.4M
-9.7% YoY-0.6% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$8.0M
+0.6% YoY+1.0% QoQ
|
$-17.7M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.8%
-8.9% YoY-16.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
4.3%
+0.1% YoY+0.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
81.8%
-1.1% YoY+3.4% QoQ
|
-0.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
2.3%
+232.7% YoY+14.2% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
30.1%
-10.3% YoY-1.6% QoQ
|
-30.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.4% in tier |
| AMR |
$13,108
+2.0% YoY+2.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
3.6%
+192.0% YoY+0.3% QoQ
|
-20.9% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)