BlastPoint's Credit Union Scorecard
LINDEN NJ POLICE & FIREMEN
Charter #2617 · NJ
LINDEN NJ POLICE & FIREMEN has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Net Charge-Off Rate: Top 2.8% in tier
- + Net Worth Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.6% YoY
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Net Interest Margin (NIM): Bottom 7.7% in tier
- - Total Loans: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
931
-5.6% YoY-0.9% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$7.0M
-3.5% YoY-0.6% QoQ
|
$-23.1M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$795,441
+1.6% YoY-2.2% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.8% in tier |
| Deposits |
$4.8M
-6.9% YoY-1.2% QoQ
|
$-21.0M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.9%
+25.8% YoY-32.3% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
2.5%
+12.6% YoY-14.3% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
66.4%
-5.1% YoY+15.9% QoQ
|
-24.3% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.3%
-80.0% YoY-80.4% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
16.6%
+9.1% YoY-1.0% QoQ
|
-41.9% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.5% in tier |
| AMR |
$6,002
-0.2% YoY-0.5% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.7% in tier |
| 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)