BlastPoint's Credit Union Scorecard
HARRISON POLICE & FIREMEN'S
Charter #6638 · NJ
HARRISON POLICE & FIREMEN'S has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Net Charge-Off Rate: Top 3.4% in tier
- + Average Member Relationship (AMR): Top 6.8% in tier
- + AMR Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,346
-0.1% YoY0% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$27.0M
+17.1% YoY+3.8% QoQ
|
$-2.9M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$12.1M
-0.0% YoY+1.3% QoQ
|
$-3.7M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
56% |
| Deposits |
$22.9M
+19.2% YoY+4.1% QoQ
|
$-2.5M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
1.0%
-18.5% YoY-2.0% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.5%
-16.0% YoY-3.4% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
71.4%
+1.4% YoY-0.5% QoQ
|
-10.0% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
1.0%
-24.3% YoY-23.2% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
52.7%
-16.1% YoY-2.8% QoQ
|
-8.6% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$26,025
+11.9% YoY+3.1% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Top 6.8% in tier |
| CD Concentration |
39.1%
+28.8% YoY+5.1% QoQ
|
+14.6% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)