BlastPoint's Credit Union Scorecard
EVANSVILLE FIREFIGHTERS
Charter #1263 · IN
EVANSVILLE FIREFIGHTERS has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.5% in tier
- + Net Charge-Off Rate: Top 6.2% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Asset Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 6.57% above tier (higher cost structure)
- - Member decline: -10.3% YoY
- - Net Interest Margin (NIM): Bottom 5.2% in tier
- - Member Growth Rate: Bottom 5.5% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
- - Share Certificate Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,039
-10.3% YoY-0.7% QoQ
|
-586 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$34.8M
+9.5% YoY-0.6% QoQ
|
+$4.9M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$17.4M
-3.9% YoY+0.6% QoQ
|
+$1.6M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$30.7M
+10.4% YoY-0.8% QoQ
|
+$5.3M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.2%
-21.8% YoY+82.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
2.3%
+18.4% YoY+1.5% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
88.0%
-8.4% YoY-0.7% QoQ
|
+6.6% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
56.7%
-12.9% YoY+1.4% QoQ
|
-4.6% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$23,612
+16.8% YoY+0.4% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 10.6% in tier |
| CD Concentration |
41.0%
+5.2% YoY+6.4% QoQ
|
+16.6% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% 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)