BlastPoint's Credit Union Scorecard
EAST ORANGE FIREMENS
Charter #11014 · NJ
EAST ORANGE FIREMENS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Net Charge-Off Rate: Top 1.2% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Delinquency rate 6.82% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits +7.6% year over year ($7.3M in shares and deposits).
- Membership: 807 members, +0.5% vs a year ago.
- Delinquency rate 8.37%.
- Return on assets 1.03%.
- Efficiency ratio 63.58% vs a 88.77% peer average.
- Loan-to-share ratio 62.69% vs a 58.89% 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 |
807
+0.5% YoY+0.4% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$9.9M
+6.1% YoY-0.5% QoQ
|
$-20.4M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$4.6M
-11.8% YoY-2.7% QoQ
|
$-10.9M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$7.3M
+7.6% YoY-1.1% QoQ
|
$-18.5M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
1.0%
-15.0% YoY+22.3% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
4.1%
+1.2% YoY+11.1% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
63.6%
-5.9% YoY-14.6% QoQ
|
-25.2% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
8.4%
+14.7% YoY+10.9% QoQ
|
+6.8 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
62.7%
-18.0% YoY-1.7% QoQ
|
+3.8% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$14,690
-1.3% YoY-2.1% QoQ
|
$-273 |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 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)