CAMBRIDGE FIREFIGHTERS
Charter #1236 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
CAMBRIDGE FIREFIGHTERS has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 0.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
862
+0.3% YoY-1.5% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 24.8% in tier |
| Assets |
$13.7M
-1.3% YoY+1.2% QoQ
|
$-16.1M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$8.4M
+8.8% YoY+1.0% QoQ
|
$-7.3M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
46th in tier |
| Deposits |
$10.2M
-4.2% YoY+1.0% QoQ
|
$-15.2M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
1.9%
-31.4% YoY+1.6% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 11.3% in tier |
| NIM |
4.2%
-11.1% YoY+0.5% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
61st in tier |
| Efficiency Ratio |
51.9%
+14.6% YoY+2.3% QoQ
|
-29.5% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
0.2%
-39.8% YoY-50.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
26th in tier |
| Loan To Share |
82.5%
+13.7% YoY+0.0% QoQ
|
+21.3% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 19.6% in tier |
| AMR |
$21,680
+0.9% YoY+2.5% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 15.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
188
Efficiency Ratio
profitability
Value:
51.89%
Peer Avg: 81.39%
#188 of 2596
Top 7.2% in <100M tier
229
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,801
Peer Avg: $5,488
#229 of 2596
Top 8.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
281
Net Worth Ratio
risk
Value:
25.23%
Peer Avg: 16.43%
#281 of 2596
Top 10.8% in <100M tier
293
Return on Assets (ROA)
profitability
Value:
1.88%
Peer Avg: 0.68%
#293 of 2596
Top 11.2% in <100M tier
325
Loan Growth Rate
growth
Value:
8.85%
Peer Avg: 59.01%
#325 of 2596
Top 12.5% in <100M tier
393
Average Member Relationship (AMR)
engagement
Value:
$21,680
Peer Avg: $14,627
#393 of 2596
Top 15.1% in <100M tier
504
Loan-to-Share Ratio
balance_sheet
Value:
82.50%
Peer Avg: 61.23%
#504 of 2596
Top 19.4% in <100M tier
Top Weaknesses (3 metrics)
2577
Fee Income Per Member
profitability
Value:
$-0.41
Peer Avg: $182.96
#2577 of 2596
Bottom 0.8% in <100M tier
2061
Deposit Growth Rate
growth
Value:
-4.25%
Peer Avg: 16.80%
#2061 of 2596
Bottom 20.6% in <100M tier
1950
Total Members
engagement
Value:
862
Peer Avg: 2,626
#1950 of 2596
Bottom 24.9% in <100M tier