BlastPoint's Credit Union Scorecard
EAST ORANGE FIREMENS
Charter #11014 · NJ
EAST ORANGE FIREMENS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Charge-Off Rate: Top 1.8% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 6.05% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
804
+1.0% YoY0% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$10.0M
+2.0% YoY+3.5% QoQ
|
$-20.2M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$4.7M
-10.1% YoY-3.1% QoQ
|
$-10.6M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$7.4M
+1.8% YoY+4.4% QoQ
|
$-18.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
0.8%
-13.4% YoY+38.7% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
3.7%
-7.2% YoY-7.9% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
74.4%
+2.3% YoY+11.6% QoQ
|
-16.2% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
7.5%
+0.8% YoY+30.9% QoQ
|
+6.0 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.3% in tier |
| Loan To Share |
63.7%
-11.7% YoY-7.2% QoQ
|
+5.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$14,999
-4.1% YoY+1.4% QoQ
|
+$115 |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
55% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)