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 0.52% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 13.40% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Loan Growth Rate: Bottom 8.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -3.2% year over year ($6.2M in shares and deposits).
- Membership: 1,122 members, -3.0% vs a year ago.
- Delinquency rate 1.16%.
- Return on assets 0.12%.
- Efficiency ratio 102.16% vs a 88.77% peer average.
- Loan-to-share ratio 32.30% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,122
-3.0% YoY-0.4% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$7.1M
-4.1% YoY-1.4% QoQ
|
$-23.2M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$2.0M
-18.0% YoY-5.2% QoQ
|
$-13.4M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$6.2M
-3.2% YoY-2.2% QoQ
|
$-19.6M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
0.1%
-75.0% YoY+65.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.8% in tier |
| NIM |
4.4%
+3.4% YoY+6.2% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
102.2%
+13.1% YoY+3.7% QoQ
|
+13.4% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
1.2%
+17.3% YoY-8.2% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
65% |
| Loan To Share |
32.3%
-15.2% YoY-3.1% QoQ
|
-26.6% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.6% in tier |
| AMR |
$7,332
-4.4% YoY-2.5% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
2.0%
-12.0% YoY+7.9% QoQ
|
-22.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 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)