BlastPoint's Credit Union Scorecard
FIRESTONE
Charter #14066 · OH
FIRESTONE has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Members Per Employee (MPE): Top 0.3% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.45% above tier average
- - Member decline: -4.9% YoY
- - Net Interest Margin (NIM): Bottom 0.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,070
-4.9% YoY-0.9% QoQ
|
-8.1K |
15,145
-2.5% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 12.0% in tier |
| Assets |
$198.4M
-3.2% YoY-1.2% QoQ
|
$-33.3M |
$231.7M
+0.8% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$23.6M
-10.5% YoY-3.0% QoQ
|
$-120.5M |
$144.1M
+0.2% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.5% in tier |
| Deposits |
$163.1M
-4.2% YoY-1.8% QoQ
|
$-38.0M |
$201.1M
+0.4% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
0.8%
-240.8% YoY-383.8% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
1.5%
-2971.9% YoY+481.0% QoQ
|
-2.1% |
3.6%
+4.6% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio |
42.9%
-80.2% QoQ
|
-35.1% |
78.0%
-1.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Top 1.0% in tier |
| Delinquency Rate |
1.2%
+108.3% YoY-15.3% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
14.5%
-6.6% YoY-1.3% QoQ
|
-55.9% |
70.4%
-0.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.2% in tier |
| AMR |
$26,418
-0.2% YoY-1.0% QoQ
|
+$1K |
$24,918
+2.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
36.7%
+3.4% YoY+1.6% QoQ
|
+12.4% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)