BlastPoint's Credit Union Scorecard

FIRST FINANCIAL

Charter #1021 · NJ

1077 CUs in 100M-500M nationally 25 in NJ

FIRST FINANCIAL has 2 strengths but faces 14 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.64% above tier average
+ Share Certificate Concentration (%): Top 1.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.1% in tier
- Membership Headwinds: Bottom 5.3% in tier
- Stagnation Risk: Bottom 9.7% in tier
- Institutional Decline: Bottom 16.0% in tier
- Efficiency Drag: Bottom 24.7% in tier
- ROA 0.09% below tier average
- Efficiency ratio 9.35% above tier (higher cost structure)
- Delinquency rate 2.43% above tier average
- Member decline: -6.0% YoY
- Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- Deposit Growth Rate: Bottom 2.8% in tier
- Net Worth Ratio: Bottom 3.4% in tier
- Asset Growth Rate: Bottom 4.6% in tier
- Member Growth Rate: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	15,028 -6.0% YoY-0.5% QoQ	-600	15,628 -3.4% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	57%
Assets	$173.1M -4.2% YoY-5.4% QoQ	$-58.2M	$231.3M -0.0% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	40%
Loans	$108.5M -1.9% YoY-0.6% QoQ	$-39.3M	$147.8M -1.4% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	40%
Deposits	$161.3M -6.0% YoY-6.1% QoQ	$-38.9M	$200.3M -0.0% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	46%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -44.1% YoY-2.0% QoQ	-0.1%	0.8% +15.5% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	45%
NIM	4.2% +7.4% YoY+3.8% QoQ	+0.6%	3.6% +6.9% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	84%
Efficiency Ratio	86.6% +14.6% YoY+0.7% QoQ	+9.4%	77.3% -3.0% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	82%
Delinquency Rate	3.3% +40.2% YoY-2.2% QoQ	+2.4	0.9% +7.6% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	Top 1.7% in tier
Loan To Share	67.3% +4.4% YoY+5.9% QoQ	-5.4%	72.7% -1.5% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	34%
AMR	$17,957 +1.7% YoY-3.5% QoQ	$-6K	$24,363 +2.9% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	22%
CD Concentration	1.2% -41.4% YoY-17.0% QoQ	-23.2%	24.4% +4.2% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	11.4% -12.8% YoY-6.0% QoQ	-2.6%	14.0% -5.7% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#53 of 736 • Bottom 2.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.94% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#88 of 550 • Bottom 5.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.99%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#160 of 550 • Bottom 9.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.99%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.92%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 3.29%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline

#127 of 256 • Bottom 16.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $173.15M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -5.99%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.92%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Efficiency Drag

risk

#437 of 521 • Bottom 24.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.63%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.55% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -5.99%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 1.19%

Peer Avg: -

#21 of 1077 Top 1.9% in 100M-500M tier

151

First Mortgage Concentration (%)

balance_sheet

Value: 11.20%

Peer Avg: -

#151 of 1077 Top 13.9% in 100M-500M tier

174

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

218

Net Charge-Off Rate

risk

Value: 0.14%

Peer Avg: -

#218 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1060

Total Delinquency Rate (60+ days)

risk

Value: 3.29%

Peer Avg: -

#1060 of 1077 Bottom 1.7% in 100M-500M tier

1048

Deposit Growth Rate

growth

Value: -6.02%

Peer Avg: -

#1048 of 1077 Bottom 2.8% in 100M-500M tier

1041

Net Worth Ratio

risk

Value: 7.89%

Peer Avg: -

#1041 of 1077 Bottom 3.4% in 100M-500M tier

1028

Asset Growth Rate

growth

Value: -4.18%

Peer Avg: -

#1028 of 1077 Bottom 4.6% in 100M-500M tier

1000

Member Growth Rate

growth

Value: -5.99%

Peer Avg: -

#1000 of 1077 Bottom 7.2% in 100M-500M tier

880

Efficiency Ratio

profitability

Value: 86.63%

Peer Avg: -

#880 of 1077 Bottom 18.4% in 100M-500M tier

837

Average Member Relationship (AMR)

engagement

Value: $17,957

Peer Avg: -

#837 of 1077 Bottom 22.4% in 100M-500M tier

822

Fee Income Per Member

profitability

Value: $116.10

Peer Avg: -

#822 of 1077 Bottom 23.8% in 100M-500M tier