BlastPoint's Credit Union Scorecard
FIRELANDS
Charter #11674 · OH
FIRELANDS has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 63.1% in tier
- + Organic Growth Engine: Top 78.6% in tier
- + ROA 0.54% above tier average
- + Net Interest Margin 0.42% above tier average
- + Deposit Growth Rate: Top 6.7% in tier
- + Asset Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.4% in tier
- - Delinquency rate 0.11% above tier average
- - Indirect Auto Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,461
+0.8% YoY-0.4% QoQ
|
-2.1K |
38,575
-4.8% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$554.6M
+11.8% YoY+2.5% QoQ
|
$-67.1M |
$621.7M
+0.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$340.1M
+1.9% YoY+3.8% QoQ
|
$-89.7M |
$429.8M
-1.8% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$505.9M
+12.0% YoY+3.1% QoQ
|
$-32.8M |
$538.7M
+0.6% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
34% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+32.1% YoY+12.1% QoQ
|
+0.5% |
0.7%
+42.9% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Top 13.3% in tier |
| NIM |
3.9%
-0.1% YoY-1.3% QoQ
|
+0.4% |
3.4%
+8.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
69.5%
-2.3% YoY-1.7% QoQ
|
-8.0% |
77.5%
-4.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.0%
-9.5% YoY+7.0% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
67.2%
-9.1% YoY+0.7% QoQ
|
-12.6% |
79.8%
-2.3% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$23,203
+6.9% YoY+3.7% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
28.8%
+2.6% YoY-9.7% QoQ
|
+4.3% | 24.4% | 19.4% | 19.8% | 66% |
| Indirect Auto % |
41.8%
-15.6% YoY-7.5% QoQ
|
+28.1% | 13.8% | 11.2% | 7.8% | Top 7.4% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)