BlastPoint's Credit Union Scorecard

FIRELANDS

Charter #11674 · OH

Community 500M-750M
167 CUs in 500M-750M nationally 7 in OH
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FIRELANDS has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 26.9% in tier
  • + ROA 0.69% above tier average
  • + Net Interest Margin 0.40% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.3% in tier
  • - Credit Quality Pressure: Bottom 34.5% in tier
  • - Credit Risk Growth: Bottom 56.4% in tier
  • - Delinquency rate 0.14% above tier average
  • - Indirect Auto Concentration (%): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 36,412
+0.2% YoY-0.1% QoQ
 -1.7K 38,079
-4.8% YoY
 16,936
+6.2% YoY
 33,913
+5.7% YoY
 48%
Assets $569.5M
+10.2% YoY+2.7% QoQ
 $-50.2M $619.7M
-0.2% YoY
 $257.9M
+8.7% YoY
 $578.3M
+9.0% YoY
 30%
Loans $339.4M
+2.1% YoY-0.2% QoQ
 $-80.0M $419.3M
-1.4% YoY
 $174.2M
+8.4% YoY
 $402.4M
+8.7% YoY
 17%
Deposits $516.3M
+9.3% YoY+2.1% QoQ
 $-23.1M $539.5M
-0.1% YoY
 $221.5M
+9.0% YoY
 $494.3M
+9.1% YoY
 38%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.4%
+103.9% YoY+15.3% QoQ
 +0.7% 0.7%
+36.0% YoY
 0.6%
+16.1% YoY
 0.4%
-39.2% YoY
 Top 14.4% in tier
NIM 3.9%
-0.9% YoY+0.1% QoQ
 +0.4% 3.5%
+4.5% YoY
 3.7%
+1.7% YoY
 3.8%
+4.1% YoY
 78%
Efficiency Ratio 70.0%
-8.7% YoY+0.8% QoQ
 -8.3% 78.4%
-3.7% YoY
 82.0%
-2.0% YoY
 84.6%
+2.8% YoY
 20%
Delinquency Rate 0.8%
+16.4% YoY-11.7% QoQ
 +0.1 0.7%
-0.9% YoY
 1.4%
+35.7% YoY
 1.2%
+3.4% YoY
 66%
Loan To Share 65.7%
-6.5% YoY-2.2% QoQ
 -11.9% 77.7%
-1.2% YoY
 61.3%
-2.1% YoY
 65.6%
-1.4% YoY
 17%
AMR $23,501
+6.2% YoY+1.3% QoQ
 $-3K $26,927
+3.1% YoY
 $17,686
+5.3% YoY
 $19,920
+1.6% YoY
 36%
CD Concentration 28.9%
+0.6% YoY+0.3% QoQ
 +4.6% 24.3% 19.4% 19.8% 68%
Indirect Auto % 41.0%
-15.1% YoY-2.0% QoQ
 +27.2% 13.8% 11.4% 7.7% Bottom 7.7% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#359 of 491 • Top 26.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.18%
(Tier: 3.74%, National: 6.36%)
better than tier avg
637 nationally
↑ Growing +107 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#14 of 504 • Bottom 10.3% in tier

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

Why This Signature
Asset Growth (YoY): 10.20%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 41.03%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 0.16%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk
#460 of 727 • Bottom 34.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk
#403 of 476 • Bottom 56.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.14%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
710 nationally
→ No prior data (476 CUs now) | New qualifier

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 167 peers in tier

Top Strengths (5 metrics)

22
Asset Growth Rate
growth
Value: 10.20%
Peer Median: 4.66%
#22 of 167 Top 12.6% in 500M-750M tier
24
Return on Assets (ROA)
profitability
Value: 1.38%
Peer Median: 0.61%
#24 of 167 Top 13.8% in 500M-750M tier
27
Deposit Growth Rate
growth
Value: 9.30%
Peer Median: 4.02%
#27 of 167 Top 15.6% in 500M-750M tier
34
Efficiency Ratio
profitability
Value: 70.05%
Peer Median: 78.61%
#34 of 167 Top 19.8% in 500M-750M tier
36
Net Interest Margin (NIM)
profitability
Value: 3.86%
Peer Median: 3.48%
#36 of 167 Top 21.0% in 500M-750M tier

Top Weaknesses (3 metrics)

153
Indirect Auto Concentration (%)
balance_sheet
Value: 41.03%
Peer Median: 10.91%
#153 of 167 Bottom 9.0% in 500M-750M tier
138
Total Loans
balance_sheet
Value: $339.37M
Peer Median: $427.27M
#138 of 167 Bottom 18.0% in 500M-750M tier
138
Loan-to-Share Ratio
balance_sheet
Value: 65.73%
Peer Median: 79.97%
#138 of 167 Bottom 18.0% in 500M-750M tier
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