BlastPoint's Credit Union Scorecard
NORFOLK FIRE DEPARTMENT
Charter #3746 · VA
NORFOLK FIRE DEPARTMENT demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Net Interest Margin 0.69% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,001
-1.5% YoY-0.5% QoQ
|
-614 |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$27.0M
+5.5% YoY+1.9% QoQ
|
$-3.1M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$7.2M
-8.4% YoY-5.9% QoQ
|
$-8.5M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$21.7M
+4.0% YoY+1.4% QoQ
|
$-4.0M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
2.0%
+13.3% YoY-0.9% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 6.4% in tier |
| NIM |
4.6%
+0.3% YoY+1.8% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
59.9%
-8.3% YoY-0.3% QoQ
|
-22.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
0.5%
-33.3% YoY+1.9% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
33.4%
-11.9% YoY-7.2% QoQ
|
-27.2% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.9% in tier |
| AMR |
$14,471
+2.1% YoY-0.0% QoQ
|
$-312 |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
1.7%
+10.9% YoY+13.9% QoQ
|
-22.8% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 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)