BlastPoint's Credit Union Scorecard
FIRST FINANCIAL
Charter #1021 · NJ
FIRST FINANCIAL has 3 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.69% above tier average
- + Share Certificate Concentration (%): Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 8.9% in tier
- - Membership Headwinds: Bottom 34.7% in tier
- - Accelerating Exit Risk: Bottom 38.2% in tier
- - Institutional Decline: Bottom 44.8% in tier
- - Margin Compression: Bottom 70.5% in tier
- - Efficiency Drag: Bottom 75.6% in tier
- - Shrinking Wallet Share: Bottom 87.9% in tier
- - Efficiency ratio 6.19% above tier (higher cost structure)
- - Delinquency rate 2.08% above tier average
- - Member decline: -3.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,452
-3.9% YoY-3.8% QoQ
|
-985 |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$178.4M
-3.7% YoY+3.1% QoQ
|
$-53.4M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$105.6M
-3.9% YoY-2.7% QoQ
|
$-41.8M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$165.6M
-5.6% YoY+2.6% QoQ
|
$-35.2M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.9%
-18.9% YoY+30.7% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.3%
+6.9% YoY+1.5% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
83.2%
+9.1% YoY-4.0% QoQ
|
+6.2% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
3.0%
-2.5% YoY-9.8% QoQ
|
+2.1 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 2.3% in tier |
| Loan To Share |
63.7%
+1.8% YoY-5.2% QoQ
|
-8.5% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$18,763
-1.0% YoY+4.5% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
1.3%
-21.6% YoY+9.8% QoQ
|
-23.1% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
10.7%
-17.8% YoY-5.9% QoQ
|
-3.1% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)