BlastPoint's Credit Union Scorecard
BLOOMFIELD FIRE AND POLICE
Charter #7069 · NJ
BLOOMFIELD FIRE AND POLICE has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.1% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
- - AMR Growth Rate: 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 |
1,287
-0.9% YoY+0.1% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$9.9M
-5.3% YoY-0.3% QoQ
|
$-20.2M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$6.7M
-13.4% YoY-2.8% QoQ
|
$-9.1M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$8.4M
-6.4% YoY-0.4% QoQ
|
$-17.3M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.9%
-255.0% YoY-47.0% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.8%
+54.3% YoY-1.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
81.3%
-24.3% YoY+7.7% QoQ
|
-1.2% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.0%
-22.9% YoY-24.2% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
79.3%
-7.5% YoY-2.4% QoQ
|
+18.7% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$11,717
-8.8% YoY-1.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
48.6%
-9.1% YoY-0.2% QoQ
|
+24.2% | 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)