BlastPoint's Credit Union Scorecard
LINDEN NJ POLICE & FIREMEN
Charter #2617 · NJ
2556 CUs in <100M nationally
98 in NJ
LINDEN NJ POLICE & FIREMEN has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% 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 0.6% in tier
- + Net Worth Ratio: Top 5.3% in tier
- + Efficiency Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.09% above tier average
- - Member decline: -6.8% YoY
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.1% in tier
- - Deposit Growth Rate: Bottom 7.6% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
939
-6.8% YoY-1.9% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$7.1M
-5.6% YoY-1.7% QoQ
|
$-23.1M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$813,237
-1.3% YoY+1.6% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.6% in tier |
| Deposits |
$4.9M
-9.6% YoY-3.2% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.3%
+20.0% YoY+38.9% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
2.9%
+16.9% YoY+13.8% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
57.2%
-2.3% YoY-11.9% QoQ
|
-25.3% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate |
1.6%
-66.8% YoY+37.6% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
16.8%
+9.2% YoY+5.0% QoQ
|
-43.9% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.3% in tier |
| AMR |
$6,033
-1.9% YoY-0.7% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
17
Net Charge-Off Rate
risk
Value:
-0.94%
Peer Median: -
#17 of 2556
Top 0.6% in <100M tier
137
Net Worth Ratio
risk
Value:
30.99%
Peer Median: -
#137 of 2556
Top 5.3% in <100M tier
227
Efficiency Ratio
profitability
Value:
57.23%
Peer Median: -
#227 of 2556
Top 8.8% in <100M tier
593
Return on Assets (ROA)
profitability
Value:
1.27%
Peer Median: -
#593 of 2556
Top 23.2% in <100M tier
Top Weaknesses (11 metrics)
2470
Loan-to-Share Ratio
balance_sheet
Value:
16.76%
Peer Median: -
#2470 of 2556
Bottom 3.4% in <100M tier
2427
Loan-to-Member Ratio (LMR)
engagement
Value:
$866.07
Peer Median: -
#2427 of 2556
Bottom 5.1% in <100M tier
2363
Deposit Growth Rate
growth
Value:
-9.61%
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2310
Total Loans
balance_sheet
Value:
$813,237
Peer Median: -
#2310 of 2556
Bottom 9.7% in <100M tier
2293
Member Growth Rate
growth
Value:
-6.75%
Peer Median: -
#2293 of 2556
Bottom 10.3% in <100M tier
2281
Fee Income Per Member
profitability
Value:
$3.08
Peer Median: -
#2281 of 2556
Bottom 10.8% in <100M tier
2250
Average Member Relationship (AMR)
engagement
Value:
$6,033
Peer Median: -
#2250 of 2556
Bottom 12.0% in <100M tier
2248
Asset Growth Rate
growth
Value:
-5.60%
Peer Median: -
#2248 of 2556
Bottom 12.1% in <100M tier
2118
Net Interest Margin (NIM)
profitability
Value:
2.92%
Peer Median: -
#2118 of 2556
Bottom 17.2% in <100M tier
1983
Total Deposits
balance_sheet
Value:
$4.85M
Peer Median: -
#1983 of 2556
Bottom 22.5% in <100M tier