BlastPoint's Credit Union Scorecard
CENTRAL JERSEY POLICE & FIRE
Charter #3202 · NJ
CENTRAL JERSEY POLICE & FIRE demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,918
+2.3% YoY+1.0% QoQ
|
+302 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$48.4M
+7.9% YoY+2.3% QoQ
|
+$18.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$28.7M
+3.3% YoY+0.2% QoQ
|
+$13.0M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$41.0M
+6.3% YoY+2.2% QoQ
|
+$15.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
1.1%
-16.9% YoY-30.0% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
2.8%
-8.5% YoY-13.3% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
62.3%
+6.8% YoY+17.9% QoQ
|
-20.3% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
0.5%
+77.5% YoY-25.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
69.9%
-2.9% YoY-2.0% QoQ
|
+9.3% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$23,908
+2.7% YoY+0.4% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 10.3% in tier |
| CD Concentration |
23.0%
+37.9% YoY+6.4% QoQ
|
-1.5% | 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)