BlastPoint's Credit Union Scorecard
BLOOMFIELD FIRE AND POLICE
Charter #7069 · NJ
BLOOMFIELD FIRE AND POLICE has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.0% in tier
- - AMR Growth Rate: Bottom 9.1% in tier
- - Fee Income Per Member: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,286
-1.2% YoY-0.8% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$9.9M
-6.5% YoY-1.5% QoQ
|
$-19.9M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$6.9M
-12.5% YoY-4.0% QoQ
|
$-8.9M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$8.4M
-7.7% YoY-2.2% QoQ
|
$-17.0M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
1.6%
-726.7% YoY+24.3% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
3.9%
+35.9% YoY+3.5% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
75.5%
-14.5% YoY-4.5% QoQ
|
-5.9% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
43% |
| Delinquency Rate |
1.4%
-29.0% YoY+73.8% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
81.3%
-5.1% YoY-1.8% QoQ
|
+20.0% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$11,901
-8.8% YoY-2.3% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
48.7%
-15.2% YoY+1.5% QoQ
|
+24.3% |
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)