BlastPoint's Credit Union Scorecard
FIRELANDS
Charter #11674 · OH
FIRELANDS has 4 strengths but faces 2 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 15.1% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.29% above tier average
- + Asset Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.3% in tier
- - Indirect Auto Concentration (%): Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 7 that size in Ohio.
- Shares and deposits +9.4% year over year ($525M in shares and deposits).
- Membership: 36,716 members, +0.4% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 1.16%.
- Efficiency ratio 70.53% vs a 76.56% peer average.
- Loan-to-share ratio 67.56% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,716
+0.4% YoY+0.8% QoQ
|
-1.2K |
37,897
-5.0% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$579.9M
+9.9% YoY+1.8% QoQ
|
$-42.5M |
$622.4M
+0.6% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$354.7M
+7.6% YoY+4.5% QoQ
|
$-73.8M |
$428.5M
-0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$525.1M
+9.4% YoY+1.7% QoQ
|
$-14.7M |
$539.8M
+0.9% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
1.2%
+26.2% YoY-16.1% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
3.8%
-3.0% YoY-1.2% QoQ
|
+0.3% |
3.5%
+5.0% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
70.5%
-3.4% YoY+0.7% QoQ
|
-6.0% |
76.6%
-3.6% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
0.8%
-3.8% YoY-2.1% QoQ
|
+0.0 |
0.8%
+3.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
67.6%
-1.6% YoY+2.8% QoQ
|
-11.8% |
79.3%
-1.4% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$23,963
+8.2% YoY+2.0% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
28.2%
-5.3% YoY-2.4% QoQ
|
+3.6% | 24.6% | 19.2% | 20.0% | 65% |
| Indirect Auto % |
40.5%
-13.8% YoY-1.3% QoQ
|
+26.9% | 13.6% | 11.9% | 7.7% | Bottom 8.1% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)