BlastPoint's Credit Union Scorecard
SOUTH BEND FIREFIGHTERS
Charter #13279 · IN
SOUTH BEND FIREFIGHTERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Loan-to-Member Ratio (LMR): Top 5.7% in tier
- + Average Member Relationship (AMR): Top 7.1% in tier
- + Deposit Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.95% above tier average
- - Share Certificate Concentration (%): Bottom 6.8% in tier
- - First Mortgage Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,312
+0.1% YoY-0.2% QoQ
|
+696 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$63.3M
+8.7% YoY+0.4% QoQ
|
+$33.2M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$37.6M
+1.7% YoY-0.3% QoQ
|
+$21.8M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 12.3% in tier |
| Deposits |
$48.4M
+9.9% YoY+0.0% QoQ
|
+$22.7M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
1.1%
+5.0% YoY+8.7% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
2.7%
+2.0% YoY+3.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
67.7%
-2.6% YoY-2.6% QoQ
|
-14.9% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
2.5%
+231.9% YoY+38.6% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
77.6%
-7.4% YoY-0.4% QoQ
|
+17.0% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$25,953
+6.0% YoY+0.1% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 7.2% in tier |
| CD Concentration |
41.3%
+3.3% YoY+0.3% QoQ
|
+16.8% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 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)