BlastPoint's Credit Union Scorecard
EAST ORANGE FIREMENS
Charter #11014 · NJ
2596 CUs in <100M nationally
101 in NJ
EAST ORANGE FIREMENS has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.58% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
805
+2.9% YoY+0.2% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$9.6M
+6.1% YoY+3.1% QoQ
|
$-20.2M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$5.0M
-15.5% YoY-3.1% QoQ
|
$-10.7M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$7.0M
+6.5% YoY+3.8% QoQ
|
$-18.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
29% |
| ROA |
1.3%
-33.2% YoY+8.4% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
4.2%
-16.6% YoY+1.8% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
65.6%
+39.4% YoY-2.9% QoQ
|
-15.8% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
6.1%
+8.1% YoY-16.6% QoQ
|
+4.6 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 4.4% in tier |
| Loan To Share |
71.5%
-20.7% YoY-6.6% QoQ
|
+10.2% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$14,973
-6.7% YoY+0.6% QoQ
|
+$346 |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
216
Net Worth Ratio
risk
Value:
26.92%
Peer Avg: 16.43%
#216 of 2596
Top 8.3% in <100M tier
324
Member Growth Rate
growth
Value:
2.94%
Peer Avg: 14.92%
#324 of 2596
Top 12.4% in <100M tier
468
Deposit Growth Rate
growth
Value:
6.46%
Peer Avg: 16.80%
#468 of 2596
Top 18.0% in <100M tier
519
Asset Growth Rate
growth
Value:
6.12%
Peer Avg: 1.82%
#519 of 2596
Top 20.0% in <100M tier
592
Efficiency Ratio
profitability
Value:
65.60%
Peer Avg: 81.39%
#592 of 2596
Top 22.8% in <100M tier
Top Weaknesses (6 metrics)
2482
Total Delinquency Rate (60+ days)
risk
Value:
6.09%
Peer Avg: 1.51%
#2482 of 2596
Bottom 4.4% in <100M tier
2470
Net Charge-Off Rate
risk
Value:
2.24%
Peer Avg: 0.57%
#2470 of 2596
Bottom 4.9% in <100M tier
2342
Fee Income Per Member
profitability
Value:
$1.95
Peer Avg: $182.96
#2342 of 2596
Bottom 9.8% in <100M tier
2317
Loan Growth Rate
growth
Value:
-15.53%
Peer Avg: 59.01%
#2317 of 2596
Bottom 10.8% in <100M tier
2255
AMR Growth Rate
growth
Value:
-6.70%
Peer Avg: 4.67%
#2255 of 2596
Bottom 13.2% in <100M tier
1993
Total Members
engagement
Value:
805
Peer Avg: 2,626
#1993 of 2596
Bottom 23.3% in <100M tier