BlastPoint's Credit Union Scorecard
SOUTH BEND FIREFIGHTERS
Charter #13279 · IN
SOUTH BEND FIREFIGHTERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.05% above tier average
- + Loan-to-Member Ratio (LMR): Top 5.5% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.25% above tier average
- - Share Certificate Concentration (%): Bottom 6.9% in tier
- - First Mortgage Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,312
+0.2% YoY0% QoQ
|
+635 |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$65.0M
+6.4% YoY+2.6% QoQ
|
+$34.8M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Top 14.6% in tier |
| Loans |
$37.0M
+2.5% YoY-1.4% QoQ
|
+$21.8M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Top 12.1% in tier |
| Deposits |
$49.9M
+6.6% YoY+3.1% QoQ
|
+$24.1M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA |
1.2%
+67.1% YoY+5.6% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
2.8%
+15.9% YoY+4.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
66.8%
-14.1% YoY-1.3% QoQ
|
-23.8% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
1.8%
+31.3% YoY-30.0% QoQ
|
+0.3 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
74.2%
-3.9% YoY-4.4% QoQ
|
+15.7% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$26,246
+4.6% YoY+1.1% QoQ
|
+$11K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 6.8% in tier |
| CD Concentration |
41.2%
+3.0% YoY-0.2% QoQ
|
+16.9% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 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)