BlastPoint's Credit Union Scorecard
CAMBRIDGE FIREFIGHTERS
Charter #1236 · MA
CAMBRIDGE FIREFIGHTERS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio: Top 8.8% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 5.1% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits +3.4% year over year ($10.5M in shares and deposits).
- Membership: 865 members, -1.1% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 1.66%.
- Efficiency ratio 56.72% vs a 88.77% peer average.
- Loan-to-share ratio 81.61% vs a 58.89% 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 (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
865
-1.1% YoY+0.1% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$14.2M
+4.3% YoY-4.1% QoQ
|
$-16.1M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$8.6M
+2.3% YoY+1.3% QoQ
|
$-6.9M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$10.5M
+3.4% YoY-6.1% QoQ
|
$-15.3M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
37% |
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| ROA |
1.7%
-9.8% YoY+10.6% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
4.0%
-4.0% YoY+3.3% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
56.7%
+11.8% YoY-2.0% QoQ
|
-32.0% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
0.3%
-25.9% YoY+70.5% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
81.6%
-1.1% YoY+7.9% QoQ
|
+22.7% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$22,009
+4.0% YoY-3.0% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)