FIRELANDS

Charter #11674 | OH

500M-750M (169 CUs) Community (281 CUs)
7 500M-750M in OH

FIRELANDS has 7 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 11.3% in tier
  • + Relationship Depth Leader: Top 18.0% in tier
  • + Organic Growth Engine: Top 26.4% in tier
  • + ROA 0.41% above tier average
  • + Net Interest Margin 0.48% above tier average
  • + Asset Growth Rate: Top 5.3% in tier
  • + Deposit Growth Rate: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.6% in tier
  • - Delinquency rate 0.09% above tier average
  • - Indirect Auto Concentration (%): Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 36,593
+1.2% YoY+0.1% QoQ
 -3.2K 39,752
-2.7% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 45th in tier
Assets $541.0M
+13.5% YoY+2.5% QoQ
 $-81.4M $622.4M
+0.3% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 Bottom 17.2% in tier
Loans $327.7M
+0.6% YoY-0.6% QoQ
 $-108.3M $435.9M
-0.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 11.8% in tier
Deposits $490.8M
+13.1% YoY+2.2% QoQ
 $-47.2M $538.0M
+1.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 30th in tier
ROA 1.1%
+12.9% YoY+16.5% QoQ
 +0.4% 0.7%
+33.9% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Top 19.5% in tier
NIM 3.9%
-0.4% YoY-0.6% QoQ
 +0.5% 3.4%
+8.6% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Top 17.2% in tier
Efficiency Ratio 70.7%
-0.5% YoY-3.2% QoQ
 -7.4% 78.1%
-3.4% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Bottom 17.8% in tier
Delinquency Rate 0.9%
-2.9% YoY+3.9% QoQ
 +0.1 0.8%
-4.9% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 69th in tier
Loan To Share 66.8%
-11.0% YoY-2.8% QoQ
 -14.3% 81.0%
-1.8% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 15.4% in tier
AMR $22,368
+6.5% YoY+1.0% QoQ
 $-4K $26,482
+2.6% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 32nd in tier
CD Concentration 31.9%
+15.8% YoY+7.1% QoQ
 +7.5% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Top 24.4% in tier
Indirect Auto % 45.2%
-14.2% YoY-3.6% QoQ
 +31.3% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 5.4% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#313 of 1006 • Top 11.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#496 of 1006 • Top 18.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#484 of 603 • Top 26.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.07%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 45.25%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk
#10 of 525 • Bottom 0.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 13.51%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 45.25%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.16%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

10
Asset Growth Rate
growth
Value: 13.51%
Peer Avg: 4.33%
#10 of 169 Top 5.3% in 500M-750M tier
11
Deposit Growth Rate
growth
Value: 13.07%
Peer Avg: 5.25%
#11 of 169 Top 5.9% in 500M-750M tier
29
Net Interest Margin (NIM)
profitability
Value: 3.91%
Peer Avg: 3.43%
#29 of 169 Top 16.6% in 500M-750M tier
31
Efficiency Ratio
profitability
Value: 70.66%
Peer Avg: 78.10%
#31 of 169 Top 17.8% in 500M-750M tier
33
Return on Assets (ROA)
profitability
Value: 1.07%
Peer Avg: 0.66%
#33 of 169 Top 18.9% in 500M-750M tier
39
AMR Growth Rate
growth
Value: 6.50%
Peer Avg: 3.12%
#39 of 169 Top 22.5% in 500M-750M tier
40
First Mortgage Concentration (%)
balance_sheet
Value: 20.93%
Peer Avg: 33.53%
#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (6 metrics)

159
Indirect Auto Concentration (%)
balance_sheet
Value: 45.25%
Peer Avg: 16.19%
#159 of 169 Bottom 6.5% in 500M-750M tier
149
Total Loans
balance_sheet
Value: $327.70M
Peer Avg: $435.95M
#149 of 169 Bottom 12.4% in 500M-750M tier
143
Loan-to-Share Ratio
balance_sheet
Value: 66.76%
Peer Avg: 81.02%
#143 of 169 Bottom 16.0% in 500M-750M tier
140
Total Assets
balance_sheet
Value: $541.03M
Peer Avg: $622.38M
#140 of 169 Bottom 17.8% in 500M-750M tier
138
Net Charge-Off Rate
risk
Value: 0.85%
Peer Avg: 0.51%
#138 of 169 Bottom 18.9% in 500M-750M tier
129
Loan-to-Member Ratio (LMR)
engagement
Value: $8,955
Peer Avg: $11,805
#129 of 169 Bottom 24.3% in 500M-750M tier