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 1.19% 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
|
25% |
| 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
|
39% |
| 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
|
46% |
| 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
|
37% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
61% |
| 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
|
26% |
| 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
|
80% |
| 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
|
85% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)