BlastPoint's Credit Union Scorecard
PLAINFIELD POLICE & FIREMEN'S
Charter #2892 · NJ
PLAINFIELD POLICE & FIREMEN'S has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.62% above tier average
- + Net Interest Margin 6.54% above tier average
- + AMR Growth Rate: Top 4.0% in tier
- + Net Charge-Off Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 19.33% above tier average
- - Member decline: -22.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.0% in tier
- - Member Growth Rate: Bottom 1.5% in tier
- - Deposit Growth Rate: Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 5.1% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Deposits: Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -13.1% year over year ($914K in shares and deposits).
- Membership: 396 members, -22.8% vs a year ago.
- Delinquency rate 20.87%.
- Return on assets 3.11%.
- Efficiency ratio 71.76% vs a 88.77% peer average.
- Loan-to-share ratio 50.20% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
396
-22.8% YoY-9.0% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
Bottom 10.9% in tier |
| Assets |
$1.3M
-8.1% YoY+0.9% QoQ
|
$-29.0M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.4% in tier |
| Loans |
$458,979
-1.7% YoY+4.2% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.1% in tier |
| Deposits |
$914,283
-13.1% YoY+1.0% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.4% in tier |
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| ROA |
3.1%
+819.6% YoY-50.6% QoQ
|
+1.6% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 3.8% in tier |
| NIM |
10.4%
+83.3% YoY-30.1% QoQ
|
+6.5% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
71.8%
-24.1% YoY+22.6% QoQ
|
-17.0% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
20.9%
+91.3% YoY+29.1% QoQ
|
+19.3 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.0% in tier |
| Loan To Share |
50.2%
+13.2% YoY+3.2% QoQ
|
-8.7% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$3,468
+17.1% YoY+12.1% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.0% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)