BlastPoint's Credit Union Scorecard

FIRESTONE

Charter #14066 · OH

1069 CUs in 100M-500M nationally 58 in OH

FIRESTONE has 4 strengths but faces 19 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

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 0.4% in tier
+ Net Charge-Off Rate: Top 0.5% in tier
+ Net Worth Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 3.4% in tier
- Institutional Decline: Bottom 15.9% in tier
- Liquidity Overhang: Bottom 17.9% in tier
- Credit Quality Pressure: Bottom 27.0% in tier
- Membership Headwinds: Bottom 27.5% in tier
- Efficiency Drag: Bottom 43.6% in tier
- ROA 1.06% below tier average
- Efficiency ratio 139.78% above tier (higher cost structure)
- Delinquency rate 0.55% above tier average
- Member decline: -4.5% YoY
- Net Interest Margin (NIM): Bottom 0.1% in tier
- Fee Income Per Member: Bottom 0.1% in tier
- Loan-to-Share Ratio: Bottom 0.2% in tier
- Total Loans: Bottom 0.5% in tier
- First Mortgage Concentration (%): Bottom 0.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
- Loan Growth Rate: Bottom 2.6% in tier
- Deposit Growth Rate: Bottom 5.1% in tier
- Asset Growth Rate: Bottom 5.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	7,135 -4.5% YoY-1.7% QoQ	-8.3K	15,437 -2.9% YoY	16,819 +5.2% YoY	33,374 +5.7% YoY	Bottom 11.4% in tier
Assets	$200.9M -3.0% YoY-0.7% QoQ	$-31.0M	$231.9M +1.3% YoY	$253.6M +9.4% YoY	$561.6M +9.7% YoY	51%
Loans	$24.4M -10.3% YoY-2.5% QoQ	$-123.0M	$147.3M -0.1% YoY	$173.0M +7.8% YoY	$397.0M +8.8% YoY	Bottom 0.4% in tier
Deposits	$166.1M -3.7% YoY-1.0% QoQ	$-34.7M	$200.8M +0.8% YoY	$217.1M +9.6% YoY	$477.3M +9.7% YoY	48%

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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	-0.3% -62.9% YoY-38.3% QoQ	-1.1%	0.8% +18.2% YoY	0.4% -22.9% YoY	0.7% +15.9% YoY	Bottom 3.6% in tier
NIM	0.3% -198.3% YoY+273.7% QoQ	-3.3%	3.6% +6.7% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	Bottom 0.0% in tier
Efficiency Ratio	216.8% -73.2% QoQ	+139.8%	77.0% -3.1% YoY	82.6% +2.4% YoY	79.7% -3.3% YoY	Top 0.1% in tier
Delinquency Rate	1.4% +34.3% YoY+2.1% QoQ	+0.5	0.9% +4.2% YoY	1.6% +33.3% YoY	1.3% -2.1% YoY	Top 15.0% in tier
Loan To Share	14.7% -6.9% YoY-1.6% QoQ	-57.5%	72.2% -1.1% YoY	63.0% -2.6% YoY	67.4% -1.7% YoY	Bottom 0.1% in tier
AMR	$26,694 -0.1% YoY+0.6% QoQ	+$2K	$24,676 +3.4% YoY	$17,423 +5.7% YoY	$19,687 +2.0% YoY	71%
CD Concentration	36.1% +3.7% YoY+0.0% QoQ	+11.7%	24.4%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#20 of 554 • Bottom 3.4% 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): -4.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.32%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.44%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#39 of 240 • Bottom 15.9% in tier

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

Why This Signature

Total Assets: $200.88M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -10.32%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Overhang

risk

#25 of 135 • Bottom 17.9% in tier

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

Why This Signature

Net Worth Ratio: 17.33%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 14.69%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#191 of 705 • Bottom 27.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Membership Headwinds

decline

#153 of 554 • Bottom 27.5% in tier

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

Why This Signature

Member Growth (YoY): -4.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#235 of 538 • Bottom 43.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 216.80%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.51% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -4.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 891.875

Peer Median: -

#5 of 1069 Top 0.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: -

#6 of 1069 Top 0.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.33%

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

Top Weaknesses (16 metrics)

1069

Net Interest Margin (NIM)

profitability

Value: 0.26%

Peer Median: -

#1069 of 1069 Bottom 0.1% in 100M-500M tier

1069

Efficiency Ratio

profitability

Value: 216.80%

Peer Median: -

#1069 of 1069 Bottom 0.1% in 100M-500M tier

1069

Fee Income Per Member

profitability

Value: $0.00

Peer Median: -

#1069 of 1069 Bottom 0.1% in 100M-500M tier

1068

Loan-to-Share Ratio

balance_sheet

Value: 14.69%

Peer Median: -

#1068 of 1069 Bottom 0.2% in 100M-500M tier

1065

Total Loans

balance_sheet

Value: $24.39M

Peer Median: -

#1065 of 1069 Bottom 0.5% in 100M-500M tier

1062

First Mortgage Concentration (%)

balance_sheet

Value: 79.02%

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1061

Loan-to-Member Ratio (LMR)

engagement

Value: $3,418

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

1042

Loan Growth Rate

growth

Value: -10.32%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1030

Return on Assets (ROA)

profitability

Value: -0.30%

Peer Median: -

#1030 of 1069 Bottom 3.7% in 100M-500M tier

1015

Deposit Growth Rate

growth

Value: -3.69%

Peer Median: -

#1015 of 1069 Bottom 5.1% in 100M-500M tier