BlastPoint's Credit Union Scorecard
CENTRAL JERSEY POLICE & FIRE
Charter #3202 · NJ
CENTRAL JERSEY POLICE & FIRE demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Efficiency Ratio: Top 2.7% in tier
- + Asset Growth Rate: Top 3.7% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 4.7% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 +13.2% year over year ($44.6M in shares and deposits).
- Membership: 2,968 members, +3.8% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 1.87%.
- Efficiency ratio 45.82% vs a 88.77% peer average.
- Loan-to-share ratio 67.63% 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 |
2,968
+3.8% YoY+1.1% QoQ
|
+382 |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$52.3M
+13.3% YoY+4.2% QoQ
|
+$22.0M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$30.2M
+7.6% YoY+3.9% QoQ
|
+$14.7M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$44.6M
+13.2% YoY+4.7% QoQ
|
+$18.8M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
1.9%
+18.1% YoY-6.7% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 11.5% in tier |
| NIM |
3.3%
+1.3% YoY-5.3% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
45.8%
-15.1% YoY+1.2% QoQ
|
-42.9% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
0.5%
-19.9% YoY-6.1% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
67.6%
-5.0% YoY-0.8% QoQ
|
+8.7% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$25,202
+6.8% YoY+3.3% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Top 8.7% in tier |
| CD Concentration |
29.9%
+52.7% YoY+6.7% QoQ
|
+5.3% | 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)