BlastPoint's Credit Union Scorecard
FIRELANDS
Charter #11674 · OH
FIRELANDS has 5 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 24.2% 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 8.5% 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% |
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| 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% | Bottom 7.4% 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)