BlastPoint's Credit Union Scorecard

FIRESTONE

Charter #14066 · OH

100M-500M

1024 CUs in 100M-500M nationally 40 in OH

FIRESTONE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.13% above tier average
+ Members Per Employee (MPE): Top 0.5% in tier
+ Efficiency Ratio: Top 0.7% in tier
+ Net Charge-Off Rate: Top 2.1% in tier
+ Net Worth Ratio: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 0.27% above tier average
- Member decline: -4.6% YoY
- Fee Income Per Member: Bottom 0.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
Shares and deposits -4.3% year over year ($162M in shares and deposits).
Membership: 7,007 members, -4.6% vs a year ago.
Delinquency rate 1.15%.
Return on assets 0.99%.
Efficiency ratio 38.49% vs a 76.73% peer average.
Loan-to-share ratio 14.80% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	7,007 -4.6% YoY-0.9% QoQ	-8.2K	15,168 -2.6% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	Bottom 11.9% in tier
Assets	$198.1M -2.9% YoY-0.1% QoQ	$-33.9M	$232.0M +0.7% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	50%
Loans	$24.0M -7.0% YoY+1.6% QoQ	$-122.2M	$146.3M +0.2% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	Bottom 0.5% in tier
Deposits	$162.3M -4.3% YoY-0.5% QoQ	$-38.4M	$200.7M +0.2% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -274.5% YoY+17.2% QoQ	+0.1%	0.9% +12.5% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	64%
NIM	1.6% +8.7% QoQ	-2.1%	3.7% +4.5% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	Bottom 0.2% in tier
Efficiency Ratio	38.5% -10.4% QoQ	-38.2%	76.7% -0.8% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	Top 0.7% in tier
Delinquency Rate	1.1% +4.6% YoY-5.9% QoQ	+0.3	0.9% +6.6% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	75%
Loan To Share	14.8% -2.9% YoY+2.1% QoQ	-56.7%	71.5% -0.3% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	Bottom 0.2% in tier
AMR	$26,593 -0.0% YoY+0.7% QoQ	+$1K	$25,107 +3.2% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	68%
CD Concentration	36.9% +4.1% YoY+0.7% QoQ	+12.4%	24.6%	19.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	11.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#36 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.58%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.99%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.15%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Liquidity Overhang

risk

#17 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.07%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 14.80%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

Institutional Decline

decline

#45 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $198.14M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -4.58%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.99%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY

Membership Headwinds

decline

#147 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.58%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Credit Quality Pressure

risk

#584 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 875.875

Peer Median: 310.924

#6 of 1024 Top 0.5% in 100M-500M tier

Efficiency Ratio

profitability

Value: 38.49%

Peer Median: 77.26%

#8 of 1024 Top 0.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Median: 0.34%

#22 of 1024 Top 2.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.07%

Peer Median: 11.71%

#59 of 1024 Top 5.7% in 100M-500M tier

Top Weaknesses (13 metrics)

1024

Fee Income Per Member

profitability

Value: $0.00

Peer Median: $159.88

#1024 of 1024 Bottom 0.1% in 100M-500M tier

1022

Net Interest Margin (NIM)

profitability

Value: 1.62%

Peer Median: 3.67%

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1022

Loan-to-Share Ratio

balance_sheet

Value: 14.80%

Peer Median: 73.07%

#1022 of 1024 Bottom 0.3% in 100M-500M tier

1019

Total Loans

balance_sheet

Value: $24.02M

Peer Median: $124.04M

#1019 of 1024 Bottom 0.6% in 100M-500M tier

1018

First Mortgage Concentration (%)

balance_sheet

Value: 81.14%

Peer Median: 29.92%

#1018 of 1024 Bottom 0.7% in 100M-500M tier

1016

Loan-to-Member Ratio (LMR)

engagement

Value: $3,428

Peer Median: $9,434

#1016 of 1024 Bottom 0.9% in 100M-500M tier

979

Deposit Growth Rate

growth

Value: -4.26%

Peer Median: 3.58%

#979 of 1024 Bottom 4.5% in 100M-500M tier

971

Loan Growth Rate

growth

Value: -6.99%

Peer Median: 3.02%

#971 of 1024 Bottom 5.3% in 100M-500M tier

963

Asset Growth Rate

growth

Value: -2.89%

Peer Median: 4.12%

#963 of 1024 Bottom 6.1% in 100M-500M tier

906

Share Certificate Concentration (%)

balance_sheet

Value: 36.95%

Peer Median: 23.39%

#906 of 1024 Bottom 11.6% in 100M-500M tier