BlastPoint's Credit Union Scorecard
PLAINFIELD POLICE & FIREMEN'S
Charter #2892 · NJ
2556 CUs in <100M nationally
98 in NJ
PLAINFIELD POLICE & FIREMEN'S has 4 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.49% 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
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 13.30% above tier (higher cost structure)
- - Delinquency rate 14.62% above tier average
- - Member decline: -4.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Deposit Growth Rate: Bottom 2.4% in tier
- - Asset Growth Rate: Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Total Assets: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.2% in tier
- - Total Loans: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
498
-4.4% YoY-2.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Bottom 13.5% in tier |
| Assets |
$1.3M
-12.8% YoY-2.7% QoQ
|
$-28.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.0% in tier |
| Loans |
$460,592
-12.0% YoY+0.3% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.2% in tier |
| Deposits |
$1.0M
-16.2% YoY-3.4% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.2% in tier |
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| ROA |
0.3%
-120.5% YoY-35.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
6.4%
+28.6% YoY-3.4% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
95.9%
-23.5% YoY+2.2% QoQ
|
+13.3% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
16.2%
+11.2% YoY+15.0% QoQ
|
+14.6 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 1.3% in tier |
| Loan To Share |
45.6%
+5.1% YoY+3.8% QoQ
|
-15.0% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$2,951
-11.0% YoY-0.1% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.5% in tier |
| 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)
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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
59
Net Interest Margin (NIM)
profitability
Value:
6.44%
Peer Median: -
#59 of 2556
Top 2.3% in <100M tier
384
Net Worth Ratio
risk
Value:
22.72%
Peer Median: -
#384 of 2556
Top 15.0% in <100M tier
Top Weaknesses (15 metrics)
2523
Total Delinquency Rate (60+ days)
risk
Value:
16.17%
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2515
Net Charge-Off Rate
risk
Value:
5.25%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2495
Deposit Growth Rate
growth
Value:
-16.24%
Peer Median: -
#2495 of 2556
Bottom 2.4% in <100M tier
2493
Asset Growth Rate
growth
Value:
-12.76%
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2441
Average Member Relationship (AMR)
engagement
Value:
$2,951
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2424
AMR Growth Rate
growth
Value:
-11.03%
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier
2419
Loan-to-Member Ratio (LMR)
engagement
Value:
$924.88
Peer Median: -
#2419 of 2556
Bottom 5.4% in <100M tier
2377
Total Assets
balance_sheet
Value:
$1.32M
Peer Median: -
#2377 of 2556
Bottom 7.0% in <100M tier
2373
Total Deposits
balance_sheet
Value:
$1.01M
Peer Median: -
#2373 of 2556
Bottom 7.2% in <100M tier
2373
Total Loans
balance_sheet
Value:
$460,592
Peer Median: -
#2373 of 2556
Bottom 7.2% in <100M tier