BlastPoint's Credit Union Scorecard
JERSEY CITY FIREMEN
Charter #6700 · NJ
JERSEY CITY FIREMEN has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.53% above tier average
- + Net Interest Margin 0.96% above tier average
- + Net Worth Ratio: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,248
-2.2% YoY-0.3% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$11.6M
+0.2% YoY+0.5% QoQ
|
$-18.6M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$5.1M
-2.0% YoY-1.5% QoQ
|
$-10.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$6.0M
-1.1% YoY+0.6% QoQ
|
$-19.8M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.7%
-184.8% YoY+47.3% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
5.0%
+9.4% YoY+8.1% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 12.3% in tier |
| Efficiency Ratio |
87.6%
-12.4% YoY-2.1% QoQ
|
-3.1% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
1.5%
-43.3% YoY+172.0% QoQ
|
+0.0 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
83.9%
-0.9% YoY-2.1% QoQ
|
+25.4% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Top 14.2% in tier |
| AMR |
$8,887
+0.7% YoY-0.1% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
14.2%
+1.1% YoY-2.3% QoQ
|
-10.1% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)