BlastPoint's Credit Union Scorecard
EAST ORANGE FIREMENS
Charter #11014 · NJ
EAST ORANGE FIREMENS has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% 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 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Delinquency rate 4.21% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.1% in tier
- - Net Charge-Off Rate: Bottom 5.8% in tier
- - Fee Income Per Member: Bottom 8.3% in tier
- - AMR Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
804
+2.2% YoY-0.1% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$9.6M
-0.6% YoY-0.1% QoQ
|
$-20.5M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$4.8M
-12.8% YoY-3.5% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$7.1M
-1.7% YoY+0.3% QoQ
|
$-18.6M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.6%
-65.7% YoY-53.8% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
4.0%
-13.0% YoY-2.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
66.7%
+31.9% YoY+1.6% QoQ
|
-15.9% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
5.8%
-1.2% YoY-5.3% QoQ
|
+4.2 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 5.1% in tier |
| Loan To Share |
68.7%
-11.3% YoY-3.8% QoQ
|
+8.1% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$14,797
-8.5% YoY-1.2% QoQ
|
+$14 |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)