BlastPoint's Credit Union Scorecard
PLAINFIELD POLICE & FIREMEN'S
Charter #2892 ยท NJ
2596 CUs in <100M nationally
101 in NJ
PLAINFIELD POLICE & FIREMEN'S has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.74% 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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 12.43% above tier (higher cost structure)
- - Delinquency rate 12.56% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
- - Deposit Growth Rate: Bottom 1.9% in tier
- - AMR Growth Rate: Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - Total Loans: Bottom 7.1% in tier
- - Total Assets: Bottom 7.4% in tier
- - Total Deposits: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
509
-1.9% YoY-0.8% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 14.0% in tier |
| Assets |
$1.4M
-14.7% YoY-0.6% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.3% in tier |
| Loans |
$459,071
-12.5% YoY-1.7% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.0% in tier |
| Deposits |
$1.0M
-18.1% YoY-0.8% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.4% in tier |
| ROA |
0.4%
-130.9% YoY+30.3% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
6.7%
+35.6% YoY+17.1% QoQ
|
+2.7% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
93.8%
-25.4% YoY-0.7% QoQ
|
+12.4% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
14.1%
-15.4% YoY+28.9% QoQ
|
+12.6 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 1.6% in tier |
| Loan To Share |
44.0%
+6.9% YoY-0.9% QoQ
|
-17.3% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$2,954
-14.9% YoY-0.3% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.7% 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%
-5.8% 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 (6 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
56
Net Interest Margin (NIM)
profitability
Value:
6.67%
Peer Avg: 3.93%
#56 of 2596
Top 2.1% 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
422
Net Worth Ratio
risk
Value:
22.18%
Peer Avg: 16.43%
#422 of 2596
Top 16.2% in <100M tier
Top Weaknesses (14 metrics)
2555
Total Delinquency Rate (60+ days)
risk
Value:
14.07%
Peer Avg: 1.51%
#2555 of 2596
Bottom 1.6% in <100M tier
2547
Asset Growth Rate
growth
Value:
-14.66%
Peer Avg: 1.82%
#2547 of 2596
Bottom 1.9% in <100M tier
2547
Deposit Growth Rate
growth
Value:
-18.14%
Peer Avg: 16.80%
#2547 of 2596
Bottom 1.9% in <100M tier
2498
AMR Growth Rate
growth
Value:
-14.86%
Peer Avg: 4.67%
#2498 of 2596
Bottom 3.8% in <100M tier
2474
Average Member Relationship (AMR)
engagement
Value:
$2,954
Peer Avg: $14,627
#2474 of 2596
Bottom 4.7% in <100M tier
2451
Loan-to-Member Ratio (LMR)
engagement
Value:
$901.91
Peer Avg: $5,488
#2451 of 2596
Bottom 5.6% in <100M tier
2413
Total Loans
balance_sheet
Value:
$459,071
Peer Avg: $15.77M
#2413 of 2596
Bottom 7.1% in <100M tier
2406
Total Assets
balance_sheet
Value:
$1.35M
Peer Avg: $29.86M
#2406 of 2596
Bottom 7.4% in <100M tier
2403
Total Deposits
balance_sheet
Value:
$1.04M
Peer Avg: $25.45M
#2403 of 2596
Bottom 7.5% in <100M tier
2232
Total Members
engagement
Value:
509
Peer Avg: 2,626
#2232 of 2596
Bottom 14.1% in <100M tier