BlastPoint's Credit Union Scorecard
FIRELANDS
Charter #11674 · OH
FIRELANDS has 6 strengths but faces 3 concerns
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 26.4% in tier
- + Wallet Share Momentum: Top 65.0% 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
|
45% |
| 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
|
17% |
| 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
|
30% |
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| 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
|
80% |
| 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
|
83% |
| 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
|
18% |
| 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
|
69% |
| 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
|
15% |
| 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
|
32% |
| CD Concentration |
31.9%
+15.8% YoY+7.1% QoQ
|
+7.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
76% |
| Indirect Auto % |
45.2%
-14.2% YoY-3.6% QoQ
|
+31.3% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
Top 5.5% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)