BlastPoint's Credit Union Scorecard
NEW JERSEY COMMUNITY
Charter #9555 · NJ
NEW JERSEY COMMUNITY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.33% above tier (higher cost structure)
- - Delinquency rate 2.10% above tier average
- - Member decline: -9.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 7.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
777
-9.0% YoY-1.9% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$8.7M
-1.9% YoY-0.2% QoQ
|
$-21.5M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$2.3M
-7.3% YoY-2.8% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$8.0M
-2.4% YoY-0.1% QoQ
|
$-17.8M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
0.2%
-84.7% YoY-75.8% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
4.3%
-0.1% YoY-0.3% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
92.0%
+23.8% YoY+12.4% QoQ
|
+1.3% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
3.6%
+80.8% YoY+56.2% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.1% in tier |
| Loan To Share |
29.3%
-5.1% YoY-2.7% QoQ
|
-29.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.0% in tier |
| AMR |
$13,263
+6.0% YoY+1.2% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
4.5%
+273.7% YoY+25.0% QoQ
|
-19.8% | 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)