BlastPoint's Credit Union Scorecard
FIRST FINANCIAL
Charter #1021 · NJ
FIRST FINANCIAL has 3 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
- + Net Charge-Off Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 15.17% above tier (higher cost structure)
- - Delinquency rate 1.90% above tier average
- - Member decline: -4.1% YoY
- - Deposit Growth Rate: Bottom 2.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
- Shares and deposits -5.3% year over year ($163M in shares and deposits).
- Membership: 14,478 members, -4.1% vs a year ago.
- Delinquency rate 2.78%.
- Return on assets 0.40%.
- Efficiency ratio 91.91% vs a 76.73% peer average.
- Loan-to-share ratio 67.97% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,478
-4.1% YoY+0.2% QoQ
|
-690 |
15,168
-2.6% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$176.1M
-3.8% YoY+0.2% QoQ
|
$-55.9M |
$232.0M
+0.7% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$110.5M
+1.3% YoY+4.0% QoQ
|
$-35.7M |
$146.3M
+0.2% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$162.6M
-5.3% YoY+0.0% QoQ
|
$-38.1M |
$200.7M
+0.2% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.4%
-43.7% YoY+31.4% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.2%
+2.9% YoY+1.2% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
91.9%
+6.8% YoY-2.0% QoQ
|
+15.2% |
76.7%
-0.8% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate |
2.8%
-17.5% YoY-3.0% QoQ
|
+1.9 |
0.9%
+6.6% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.1% in tier |
| Loan To Share |
68.0%
+7.0% YoY+3.9% QoQ
|
-3.6% |
71.5%
-0.3% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$18,865
+1.4% YoY+1.4% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
1.0%
-30.3% YoY-13.7% QoQ
|
-23.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % |
9.9%
-18.9% YoY-7.2% QoQ
|
-3.8% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)