BlastPoint's Credit Union Scorecard
ELIZABETH (N.J.) FIREMEN'S
Charter #916 · NJ
ELIZABETH (N.J.) FIREMEN'S has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 7.89% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Loan Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,127
-2.6% YoY-0.7% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
31% |
| Assets |
$7.2M
-3.2% YoY+1.5% QoQ
|
$-23.0M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$2.1M
-17.6% YoY-3.3% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$6.4M
-1.9% YoY+1.8% QoQ
|
$-19.4M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
0.1%
-85.4% YoY-85.4% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
4.2%
+0.4% YoY-4.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
98.5%
+9.9% YoY+9.1% QoQ
|
+7.9% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
1.3%
+23.5% YoY-4.3% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
33.3%
-16.0% YoY-5.0% QoQ
|
-25.2% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.5% in tier |
| AMR |
$7,520
-3.9% YoY+1.2% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
1.8%
-13.3% YoY-0.9% QoQ
|
-22.4% | 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)