BlastPoint's Credit Union Scorecard
CENTRAL JERSEY POLICE & FIRE
Charter #3202 · NJ
CENTRAL JERSEY POLICE & FIRE demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.86% above tier average
- + Efficiency Ratio: Top 3.2% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
- + Average Member Relationship (AMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,937
+2.2% YoY+0.7% QoQ
|
+260 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
67% |
| Assets |
$50.2M
+7.6% YoY+3.7% QoQ
|
+$20.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
77% |
| Loans |
$29.0M
+3.5% YoY+1.1% QoQ
|
+$13.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$42.6M
+6.6% YoY+3.8% QoQ
|
+$16.8M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
2.0%
+39.9% YoY+78.3% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 6.3% in tier |
| NIM |
3.5%
+8.2% YoY+24.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
45.3%
-21.6% YoY-27.3% QoQ
|
-45.4% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 3.2% in tier |
| Delinquency Rate |
0.5%
-17.4% YoY+2.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
68.2%
-2.9% YoY-2.6% QoQ
|
+9.7% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$24,392
+3.0% YoY+2.0% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Top 9.6% in tier |
| CD Concentration |
28.0%
+57.6% YoY+22.0% QoQ
|
+3.7% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)