BlastPoint's Credit Union Scorecard
CAMDEN FIREMEN'S
Charter #24903 · NJ
2596 CUs in <100M nationally
101 in NJ
CAMDEN FIREMEN'S has 5 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% above tier average
- + Net Interest Margin 4.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.38% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
- - Total Members: Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 3.0% in tier
- - Total Assets: Bottom 3.4% in tier
- - Total Deposits: Bottom 3.7% in tier
- - Total Loans: Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
- - Asset Growth Rate: Bottom 7.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
144
-1.4% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 2.7% in tier |
| Assets |
$537,822
-8.3% YoY-2.9% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.4% in tier |
| Loans |
$165,475
-32.2% YoY-7.5% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.0% in tier |
| Deposits |
$434,954
-11.6% YoY-4.0% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.7% in tier |
| ROA |
1.6%
-20.3% YoY+0.5% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
8.0%
+3.2% YoY+4.9% QoQ
|
+4.0% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
77.8%
+5.3% YoY+0.3% QoQ
|
-3.6% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
3.9%
+189.7% YoY+19.6% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 8.7% in tier |
| Loan To Share |
38.0%
-23.4% YoY-3.6% QoQ
|
-23.2% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$4,170
-17.3% YoY-5.0% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
40.2%
+13.1% YoY+4.2% QoQ
|
+15.8% |
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 (5 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
13
Net Interest Margin (NIM)
profitability
Value:
7.96%
Peer Avg: 3.93%
#13 of 2596
Top 0.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
480
Return on Assets (ROA)
profitability
Value:
1.57%
Peer Avg: 0.68%
#480 of 2596
Top 18.5% in <100M tier
Top Weaknesses (15 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2541
Loan Growth Rate
growth
Value:
-32.23%
Peer Avg: 59.01%
#2541 of 2596
Bottom 2.2% in <100M tier
2525
Total Members
engagement
Value:
144
Peer Avg: 2,626
#2525 of 2596
Bottom 2.8% in <100M tier
2519
AMR Growth Rate
growth
Value:
-17.29%
Peer Avg: 4.67%
#2519 of 2596
Bottom 3.0% in <100M tier
2508
Total Assets
balance_sheet
Value:
$537,822
Peer Avg: $29.86M
#2508 of 2596
Bottom 3.4% in <100M tier
2501
Total Deposits
balance_sheet
Value:
$434,954
Peer Avg: $25.45M
#2501 of 2596
Bottom 3.7% in <100M tier
2493
Total Loans
balance_sheet
Value:
$165,475
Peer Avg: $15.77M
#2493 of 2596
Bottom 4.0% in <100M tier
2449
Deposit Growth Rate
growth
Value:
-11.56%
Peer Avg: 16.80%
#2449 of 2596
Bottom 5.7% in <100M tier
2422
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,149
Peer Avg: $5,488
#2422 of 2596
Bottom 6.7% in <100M tier
2421
Average Member Relationship (AMR)
engagement
Value:
$4,170
Peer Avg: $14,627
#2421 of 2596
Bottom 6.8% in <100M tier