BlastPoint's Credit Union Scorecard
FIRST FINANCIAL
Charter #1021 · NJ
FIRST FINANCIAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.51% above tier average
- + Share Certificate Concentration (%): Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 15.72% above tier (higher cost structure)
- - Delinquency rate 2.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,455
-4.3% YoY+0.0% QoQ
|
-690 |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$175.8M
-4.6% YoY-1.5% QoQ
|
$-55.9M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$106.3M
-2.2% YoY+0.7% QoQ
|
$-37.8M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$162.6M
-6.3% YoY-1.8% QoQ
|
$-38.6M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
47% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-64.2% YoY-66.5% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
4.1%
+3.3% YoY-3.5% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
93.7%
+12.3% YoY+12.7% QoQ
|
+15.7% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.1% in tier |
| Delinquency Rate |
2.9%
+1.3% YoY-3.7% QoQ
|
+2.1 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.3% in tier |
| Loan To Share |
65.4%
+4.4% YoY+2.6% QoQ
|
-5.0% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$18,600
-0.4% YoY-0.9% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
1.2%
-28.6% YoY-11.4% QoQ
|
-23.1% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % |
10.6%
-16.8% YoY-1.1% QoQ
|
-3.2% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)