BlastPoint's Credit Union Scorecard
TOLEDO FIRE FIGHTERS
Charter #3748 · OH
TOLEDO FIRE FIGHTERS has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.32% above tier average
- + Net Interest Margin 0.43% above tier average
- + Strong member growth: 6.4% YoY
- + Member Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 3.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,778
+6.4% YoY+0.1% QoQ
|
+162 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$45.1M
+5.5% YoY+3.1% QoQ
|
+$14.9M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$18.8M
-3.2% YoY+0.5% QoQ
|
+$3.0M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$37.4M
+4.5% YoY+3.4% QoQ
|
+$11.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.9%
-12.1% YoY+2.2% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 7.7% in tier |
| NIM |
4.4%
+3.2% YoY-0.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
59.4%
+6.8% YoY+4.1% QoQ
|
-23.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.8%
+39.7% YoY+72.6% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
50.1%
-7.3% YoY-2.8% QoQ
|
-10.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$20,231
-4.3% YoY+2.2% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
2.9%
+13.3% YoY-1.3% QoQ
|
-21.5% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
31.7%
+61.5% YoY+30.3% QoQ
|
+17.9% | 13.8% | 11.2% | 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)