BlastPoint's Credit Union Scorecard
HARRISON POLICE & FIREMEN'S
Charter #6638 · NJ
HARRISON POLICE & FIREMEN'S has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.2% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Asset Growth Rate: Top 3.8% in tier
- + Average Member Relationship (AMR): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,349
+0.6% YoY+0.2% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$27.7M
+14.1% YoY+2.6% QoQ
|
$-2.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$12.6M
+1.9% YoY+3.9% QoQ
|
$-3.2M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$23.6M
+15.5% YoY+2.9% QoQ
|
$-2.1M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.9%
-16.0% YoY-7.5% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.4%
-14.9% YoY-2.8% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
72.8%
+1.8% YoY+1.9% QoQ
|
-9.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.9%
-13.8% YoY-6.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
53.2%
-11.7% YoY+1.0% QoQ
|
-7.4% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$26,803
+9.7% YoY+3.0% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 6.3% in tier |
| CD Concentration |
39.5%
+22.5% YoY+1.1% QoQ
|
+15.1% | 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)