BlastPoint's Credit Union Scorecard
ELIZABETH (N.J.) FIREMEN'S
Charter #916 · NJ
ELIZABETH (N.J.) FIREMEN'S has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 7.73% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - Loan Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,135
-2.2% YoY+0.2% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$7.1M
-5.1% YoY-3.5% QoQ
|
$-23.1M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$2.2M
-18.1% YoY-7.0% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$6.2M
-5.0% YoY+0.3% QoQ
|
$-19.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.5%
-157.7% YoY+17.8% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
4.4%
+10.2% YoY+1.6% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
90.3%
-27.0% YoY-1.4% QoQ
|
+7.7% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.3%
+23.0% YoY+20.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
35.1%
-13.8% YoY-7.3% QoQ
|
-25.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.6% in tier |
| AMR |
$7,430
-6.7% YoY-1.9% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
1.9%
-12.3% YoY-0.3% QoQ
|
-22.6% | 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)