BlastPoint's Credit Union Scorecard
NY FIREFIGHTERS BRAVEST
Charter #609 · NY
NY FIREFIGHTERS BRAVEST has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Net Interest Margin 2.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.09% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,706
+1.4% YoY+1.8% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$25.6M
+3.0% YoY+5.6% QoQ
|
$-4.5M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$20.4M
-2.3% YoY+0.4% QoQ
|
+$4.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$22.7M
+1.8% YoY+5.2% QoQ
|
$-3.0M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
1.0%
-521.5% YoY-4.6% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
6.4%
+9.8% YoY-1.3% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
86.7%
-4.6% YoY+0.1% QoQ
|
+4.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.3%
+0.4% YoY+91.7% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
90.0%
-4.0% YoY-4.5% QoQ
|
+29.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Top 9.9% in tier |
| AMR |
$9,161
-1.6% YoY+1.1% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
21.1%
+16.3% YoY-3.2% QoQ
|
-3.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)