BlastPoint's Credit Union Scorecard

HARRISON POLICE & FIREMEN'S

Charter #6638 · NJ

<100M
2508 CUs in <100M nationally 97 in NJ

HARRISON POLICE & FIREMEN'S has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.57% above tier average
  • + Deposit Growth Rate: Top 6.0% in tier
  • + Asset Growth Rate: Top 6.1% in tier
  • + Average Member Relationship (AMR): Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Share Certificate Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 1,355
+0.7% YoY+0.4% QoQ
-1.3K 2,676
+1.6% YoY
7,451
+5.5% YoY
33,913
+5.7% YoY
37%
Assets $27.5M
+11.1% YoY-0.5% QoQ
$-2.6M $30.2M
+1.3% YoY
$121.0M
+5.7% YoY
$578.3M
+9.0% YoY
57%
Loans $12.4M
+2.9% YoY-1.0% QoQ
$-2.8M $15.3M
-2.0% YoY
$75.7M
+10.1% YoY
$402.4M
+8.7% YoY
57%
Deposits $23.4M
+12.1% YoY-0.8% QoQ
$-2.4M $25.8M
+0.7% YoY
$104.6M
+7.1% YoY
$494.3M
+9.1% YoY
57%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
-32.1% YoY-24.1% QoQ
+0.6% 0.1%
-77.6% YoY
0.4%
-4.8% YoY
0.4%
-39.2% YoY
56%
NIM 3.2%
-10.9% YoY-3.7% QoQ
-0.8% 4.0%
+4.0% YoY
3.8%
+4.3% YoY
3.8%
+4.1% YoY
26%
Efficiency Ratio 78.6%
+9.4% YoY+8.0% QoQ
-12.1% 90.6%
+6.5% YoY
85.6%
-4.2% YoY
84.6%
+2.8% YoY
42%
Delinquency Rate 0.9%
-29.0% YoY-0.3% QoQ
-0.6 1.5%
+3.8% YoY
2.4%
+59.8% YoY
1.2%
+3.4% YoY
62%
Loan To Share 53.1%
-8.2% YoY-0.2% QoQ
-5.4% 58.5%
-3.0% YoY
51.7%
-1.0% YoY
65.6%
-1.4% YoY
42%
AMR $26,454
+8.0% YoY-1.3% QoQ
+$12K $14,884
-1.7% YoY
$16,671
+1.3% YoY
$19,920
+1.6% YoY
Top 6.5% in tier
CD Concentration 41.3%
+20.8% YoY+4.7% QoQ
+17.1% 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)

Comparing against 2508 peers in tier

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
151
Deposit Growth Rate
growth
Value: 12.05%
Peer Median: 0.66%
#151 of 2508 Top 6.0% in <100M tier
155
Asset Growth Rate
growth
Value: 11.12%
Peer Median: 1.30%
#155 of 2508 Top 6.1% in <100M tier
162
Average Member Relationship (AMR)
engagement
Value: $26,454
Peer Median: $13,926
#162 of 2508 Top 6.4% in <100M tier
271
Loan-to-Member Ratio (LMR)
engagement
Value: $9,175
Peer Median: $4,923
#271 of 2508 Top 10.8% in <100M tier
357
AMR Growth Rate
growth
Value: 7.96%
Peer Median: 1.27%
#357 of 2508 Top 14.2% in <100M tier
399
Net Charge-Off Rate
risk
Value: -0.02%
Peer Median: 0.07%
#399 of 2508 Top 15.9% in <100M tier

Top Weaknesses (2 metrics)

2341
Share Certificate Concentration (%)
balance_sheet
Value: 41.34%
Peer Median: 12.45%
#2341 of 2508 Bottom 6.7% in <100M tier
1894
Fee Income Per Member
profitability
Value: $15.95
Peer Median: $60.42
#1894 of 2508 Bottom 24.5% in <100M tier
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