BlastPoint's Credit Union Scorecard
JERSEY CITY FIREMEN
Charter #6700 ยท NJ
2596 CUs in <100M nationally
101 in NJ
JERSEY CITY FIREMEN has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.65% above tier average
- + Strong member growth: 12.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.2% in tier
- + Member Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency ratio 7.20% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,434
+12.4% YoY+13.2% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$11.6M
-0.8% YoY-1.3% QoQ
|
$-18.3M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$5.2M
-3.0% YoY+2.1% QoQ
|
$-10.6M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$6.2M
-2.4% YoY-1.2% QoQ
|
$-19.3M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
27% |
| ROA |
0.5%
-408.3% YoY-157.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
4.6%
+29.1% YoY+17.2% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
88.6%
-10.8% YoY-19.2% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.7%
-74.7% YoY-54.9% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
84.1%
-0.6% YoY+3.4% QoQ
|
+22.9% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$7,904
-13.4% YoY-11.4% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
14.0%
+0.9% YoY+0.7% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
31
Net Worth Ratio
risk
Value:
46.64%
Peer Avg: 16.43%
#31 of 2596
Top 1.2% in <100M tier
79
Member Growth Rate
growth
Value:
12.38%
Peer Avg: 14.92%
#79 of 2596
Top 3.0% in <100M tier
449
Members Per Employee (MPE)
engagement
Value:
478.000
Peer Avg: 365.701
#449 of 2596
Top 17.3% in <100M tier
459
Loan-to-Share Ratio
balance_sheet
Value:
84.11%
Peer Avg: 61.23%
#459 of 2596
Top 17.6% in <100M tier
634
Net Interest Margin (NIM)
profitability
Value:
4.58%
Peer Avg: 3.93%
#634 of 2596
Top 24.4% in <100M tier
Top Weaknesses (2 metrics)
2473
AMR Growth Rate
growth
Value:
-13.38%
Peer Avg: 4.67%
#2473 of 2596
Bottom 4.8% in <100M tier
2102
Average Member Relationship (AMR)
engagement
Value:
$7,904
Peer Avg: $14,627
#2102 of 2596
Bottom 19.1% in <100M tier