BlastPoint's Credit Union Scorecard
PLAINFIELD POLICE & FIREMEN'S
Charter #2892 · NJ
<100M
2508 CUs in <100M nationally
97 in NJ
PLAINFIELD POLICE & FIREMEN'S has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.15% above tier average
- + Net Interest Margin 10.92% above tier average
- + Net Worth Ratio: Top 9.7% in tier
- + Net Charge-Off Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 14.67% above tier average
- - Member decline: -15.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Member Growth Rate: Bottom 2.9% in tier
- - Deposit Growth Rate: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 5.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
435
-15.4% YoY-12.7% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
Bottom 12.0% in tier |
| Assets |
$1.2M
-9.1% YoY-5.8% QoQ
|
$-29.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.5% in tier |
| Loans |
$440,366
-6.6% YoY-4.4% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.1% in tier |
| Deposits |
$905,199
-14.1% YoY-10.3% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.4% in tier |
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| ROA |
6.3%
+277.0% YoY+2109.6% QoQ
|
+6.2% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 0.4% in tier |
| NIM |
14.9%
+117.2% YoY+131.8% QoQ
|
+10.9% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
58.5%
-24.5% YoY-39.0% QoQ
|
-32.1% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
16.2%
+98.9% YoY-0.0% QoQ
|
+14.7 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
48.6%
+8.7% YoY+6.6% QoQ
|
-9.9% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$3,093
+4.3% YoY+4.8% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.7% 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)
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
5
Net Interest Margin (NIM)
profitability
Value:
14.93%
Peer Median: 3.83%
#5 of 2508
Top 0.2% in <100M tier
9
Return on Assets (ROA)
profitability
Value:
6.30%
Peer Median: 0.61%
#9 of 2508
Top 0.3% in <100M tier
245
Net Worth Ratio
risk
Value:
25.71%
Peer Median: 14.28%
#245 of 2508
Top 9.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
-0.09%
Peer Median: 0.07%
#246 of 2508
Top 9.8% in <100M tier
264
Efficiency Ratio
profitability
Value:
58.51%
Peer Median: 81.45%
#264 of 2508
Top 10.5% in <100M tier
Top Weaknesses (12 metrics)
2477
Total Delinquency Rate (60+ days)
risk
Value:
16.17%
Peer Median: 0.65%
#2477 of 2508
Bottom 1.3% in <100M tier
2437
Member Growth Rate
growth
Value:
-15.37%
Peer Median: -1.37%
#2437 of 2508
Bottom 2.9% in <100M tier
2425
Deposit Growth Rate
growth
Value:
-14.06%
Peer Median: 0.66%
#2425 of 2508
Bottom 3.3% in <100M tier
2390
Average Member Relationship (AMR)
engagement
Value:
$3,093
Peer Median: $13,926
#2390 of 2508
Bottom 4.7% in <100M tier
2364
Asset Growth Rate
growth
Value:
-9.09%
Peer Median: 1.30%
#2364 of 2508
Bottom 5.8% in <100M tier
2363
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,012
Peer Median: $4,923
#2363 of 2508
Bottom 5.8% in <100M tier
2348
Total Deposits
balance_sheet
Value:
$905,199
Peer Median: $18.77M
#2348 of 2508
Bottom 6.4% in <100M tier
2345
Total Assets
balance_sheet
Value:
$1.24M
Peer Median: $21.86M
#2345 of 2508
Bottom 6.5% in <100M tier
2331
Total Loans
balance_sheet
Value:
$440,366
Peer Median: $9.48M
#2331 of 2508
Bottom 7.1% in <100M tier
2208
Total Members
engagement
Value:
435
Peer Median: 1,918
#2208 of 2508
Bottom 12.0% in <100M tier