BlastPoint's Credit Union Scorecard
LINDEN NJ POLICE & FIREMEN
Charter #2617 · NJ
2596 CUs in <100M nationally
101 in NJ
LINDEN NJ POLICE & FIREMEN has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% 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 Charge-Off Rate: Top 1.5% in tier
- + Net Worth Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.9% YoY
- - Loan-to-Share Ratio: Bottom 3.2% in tier
- - Member Growth Rate: Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
- - Deposit Growth Rate: Bottom 9.6% in tier
- - Total Loans: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
957
-10.9% YoY-0.9% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$7.2M
-5.7% YoY+0.0% QoQ
|
$-22.6M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$800,188
-7.3% YoY+1.7% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.9% in tier |
| Deposits |
$5.0M
-8.3% YoY-0.2% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
0.9%
+9.4% YoY-11.9% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
2.6%
+14.7% YoY-2.9% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
65.0%
+2.0% YoY+6.0% QoQ
|
-16.4% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
1.2%
-69.8% YoY+4.0% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
16.0%
+1.1% YoY+1.9% QoQ
|
-45.3% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$6,075
+3.1% YoY+1.0% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.1% in tier |
| 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%
-5.7% 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
41
Net Charge-Off Rate
risk
Value:
-0.36%
Peer Avg: -
#41 of 2596
Top 1.5% in <100M tier
156
Net Worth Ratio
risk
Value:
29.90%
Peer Avg: -
#156 of 2596
Top 6.0% in <100M tier
566
Efficiency Ratio
profitability
Value:
64.97%
Peer Avg: -
#566 of 2596
Top 21.8% in <100M tier
Top Weaknesses (11 metrics)
2514
Loan-to-Share Ratio
balance_sheet
Value:
15.96%
Peer Avg: -
#2514 of 2596
Bottom 3.2% in <100M tier
2471
Member Growth Rate
growth
Value:
-10.89%
Peer Avg: -
#2471 of 2596
Bottom 4.9% in <100M tier
2453
Loan-to-Member Ratio (LMR)
engagement
Value:
$836.14
Peer Avg: -
#2453 of 2596
Bottom 5.5% in <100M tier
2376
Net Interest Margin (NIM)
profitability
Value:
2.57%
Peer Avg: -
#2376 of 2596
Bottom 8.5% in <100M tier
2347
Deposit Growth Rate
growth
Value:
-8.31%
Peer Avg: -
#2347 of 2596
Bottom 9.6% in <100M tier
2338
Total Loans
balance_sheet
Value:
$800,188
Peer Avg: -
#2338 of 2596
Bottom 10.0% in <100M tier
2302
Fee Income Per Member
profitability
Value:
$2.84
Peer Avg: -
#2302 of 2596
Bottom 11.4% in <100M tier
2281
Average Member Relationship (AMR)
engagement
Value:
$6,075
Peer Avg: -
#2281 of 2596
Bottom 12.2% in <100M tier
2277
Asset Growth Rate
growth
Value:
-5.73%
Peer Avg: -
#2277 of 2596
Bottom 12.3% in <100M tier
1989
Members Per Employee (MPE)
engagement
Value:
239.250
Peer Avg: -
#1989 of 2596
Bottom 23.4% in <100M tier