BlastPoint's Credit Union Scorecard
CAMBRIDGE FIREFIGHTERS
Charter #1236 · MA
CAMBRIDGE FIREFIGHTERS has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.26% above tier average
- + Net Interest Margin 0.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.6% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 0.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
864
+0.1% YoY+0.2% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$14.1M
+4.5% YoY+2.8% QoQ
|
$-16.0M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$8.7M
+4.3% YoY+3.2% QoQ
|
$-7.0M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$10.6M
+3.4% YoY+3.0% QoQ
|
$-15.1M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.9%
-32.0% YoY+0.3% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Top 8.4% in tier |
| NIM |
4.1%
-11.0% YoY-1.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
52.1%
+16.5% YoY+0.4% QoQ
|
-30.5% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
0.2%
+65.6% YoY+23.8% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
82.7%
+0.9% YoY+0.2% QoQ
|
+22.0% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$22,307
+3.7% YoY+2.9% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 13.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 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)