Federal credit union · Bloomfield, New Jersey · NCUA charter #7069
Bloomfield Fire and Police
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $9.9M
- Total assets
- 1,287
- Members
- 14.3%
- Net-worth ratio
Bloomfield Fire and Police scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.9M; members 1,287; net-worth ratio 14.35%; health rank #3,461 of 4,374; healthier than 20th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,461 of 4,374 health · 2025Q4Bloomfield Fire and Police · health 72/100 · $9.9M · 2025Q4
- NCUSIF 72/100
- CAMELS 14.3%
- HEALTH 1.04%
- NW -0.60%
- DELQ $9.9M
- ROA 1,287
- ASSETS #3,461/4,374
- MEM n/a
- RANK 7069
Call Report peers
Bloomfield Fire and Police carries $9.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bloomfield Fire and Police vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bloomfield Fire and Police - Share Insurance Coverage
Charter #7069's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Bloomfield Fire and Police diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 79.27% here, 63.60% peer average (+15.67 pp).
- Largest lag: Net Worth Ratio at 14.35% vs peer 19.06% (-4.71 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Bloomfield Fire and Police sits in New Jersey
- Health composite ranks #69 of 127 among scored New Jersey credit unions.
- By total assets, Bloomfield Fire and Police is #86 of 127 in New Jersey.
- New Jersey membership ordinal: #76 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Bloomfield Fire and Police's 5300 filing moved
Bloomfield Fire and Police: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $9.9M (2025Q4) to $10.1M (2026Q1).
- Net-worth ratio shifted -0.14 pp (14.49% → 14.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 0.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.35% | -4.71 pp |
| Delinquency Rate | 1.04% | -0.77 pp |
| Return on Assets | -0.60% | -1.05 pp |
| Member Growth | -0.92% | - |
| Loan-to-Share Ratio | 79.27% | +15.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.1M | - |
| 2025Q4 | $9.9M | 1,287 |
| 2024Q4 | $10.5M | 1,299 |
| 2023Q4 | $9.6M | 1,309 |
Credit Union Details
- Charter Number
- 7069
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Bloomfield
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Bloomfield Fire and Police runs 2 offices.
| Office | City |
|---|---|
| Fire Headquarters (Main Office) | Bloomfield, NJ |
| Firehouse | Bloomfield, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Cross-state Call Report peers for Bloomfield Fire and Police
Two NCUA Call Report peer sets for Bloomfield Fire and Police, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Bloomfield Fire and Police ranks #3,461 of 4,374 nationally on financial health and #69 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- East Orange Firemens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with East Orange Firemens
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bloomfield Fire and Police financially healthy?
A 14.35% net worth ratio and a 1.04% delinquency rate feed into Bloomfield Fire and Police's financial health score of 72/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,461 of 4,374; by total assets it ranks #3,568 of 4,374 nationally (same basis as /rankings/largest); and #86 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Bloomfield Fire and Police compare to other credit unions?
Bloomfield Fire and Police scores 72/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bloomfield Fire and Police?
Bloomfield Fire and Police carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Bloomfield Fire and Police directly to confirm current membership steps.
Is my money safe at Bloomfield Fire and Police?
Federal credit unions like Bloomfield Fire and Police are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bloomfield Fire and Police's net worth ratio of 14.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bloomfield Fire and Police offer compared to banks?
Credit unions like Bloomfield Fire and Police are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bloomfield Fire and Police directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.