BlastPoint's Credit Union Scorecard
EVANSVILLE FIREFIGHTERS
Charter #1263 · IN
EVANSVILLE FIREFIGHTERS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 4.95% above tier (higher cost structure)
- - Member decline: -10.5% YoY
- - Member Growth Rate: Bottom 5.0% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 7.0% in tier
- - First Mortgage Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,032
-10.5% YoY-0.3% QoQ
|
-583 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$35.0M
+8.7% YoY+0.5% QoQ
|
+$4.8M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$17.6M
-1.8% YoY+1.1% QoQ
|
+$1.8M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$30.9M
+9.4% YoY+0.5% QoQ
|
+$5.2M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.3%
+110.3% YoY+105.2% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
2.4%
+19.4% YoY+7.4% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
87.5%
-7.8% YoY-0.5% QoQ
|
+4.9% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
57.0%
-10.2% YoY+0.6% QoQ
|
-3.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$23,856
+17.3% YoY+1.0% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 10.5% in tier |
| CD Concentration |
41.1%
+2.1% YoY+0.4% QoQ
|
+16.7% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)