FIRESTONE

Charter #14066 | OH

100M-500M (1077 CUs) Micro
58 100M-500M in OH

FIRESTONE has 4 strengths but faces 19 concerns

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 0.6% in tier
  • + Net Worth Ratio: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.8% in tier
  • - Institutional Decline: Bottom 4.3% in tier
  • - Credit Quality Pressure: Bottom 7.0% in tier
  • - Membership Headwinds: Bottom 8.9% in tier
  • - Efficiency Drag: Bottom 10.6% in tier
  • - Stagnation Risk: Bottom 22.7% in tier
  • - ROA 1.27% below tier average
  • - Efficiency ratio 730.44% above tier (higher cost structure)
  • - Delinquency rate 0.55% above tier average
  • - Member decline: -4.3% 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 0.6% in tier
  • - First Mortgage Concentration (%): Bottom 0.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
  • - Loan Growth Rate: Bottom 1.9% in tier
  • - Deposit Growth Rate: Bottom 8.0% in tier
  • - Asset Growth Rate: Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 7,260
-4.3% YoY-1.1% QoQ
 -8.4K 15,628
-3.4% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 Bottom 12.3% in tier
Assets $202.2M
-2.3% YoY-0.9% QoQ
 $-29.1M $231.3M
-0.0% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 51st in tier
Loans $25.0M
-12.6% YoY-3.1% QoQ
 $-122.8M $147.8M
-1.4% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 Bottom 0.5% in tier
Deposits $167.7M
-2.5% YoY-1.1% QoQ
 $-32.6M $200.3M
-0.0% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 49th in tier
ROA -0.5%
-40.8% YoY-14.9% QoQ
 -1.3% 0.8%
+15.5% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 Bottom 2.2% in tier
NIM 0.1%
-125.3% YoY-387.8% QoQ
 -3.5% 3.6%
+6.9% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Bottom 0.0% in tier
Efficiency Ratio 807.7% +730.4% 77.3%
-3.0% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 0.1% in tier
Delinquency Rate 1.4%
+42.9% YoY+28.6% QoQ
 +0.6 0.9%
+7.6% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Top 16.3% in tier
Loan To Share 14.9%
-10.4% YoY-2.1% QoQ
 -57.8% 72.7%
-1.5% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 0.1% in tier
AMR $26,541
+0.4% YoY-0.2% QoQ
 +$2K $24,363
+2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 36.1%
+4.4% YoY+1.8% QoQ
 +11.7% 24.4%
+4.2% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Liquidity Overhang

risk
#14 of 552 • Bottom 0.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.15%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 14.92%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Institutional Decline

decline
#35 of 256 • Bottom 4.3% in tier

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

Why This Signature
Total Assets: $202.22M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -4.26%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -12.62%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk
#175 of 736 • Bottom 7.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.42% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline
#148 of 550 • Bottom 8.9% in tier

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

Why This Signature
Member Growth (YoY): -4.26%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk
#188 of 521 • Bottom 10.6% in tier

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

Why This Signature
Efficiency Ratio: 807.71%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.33% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -4.26%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Stagnation Risk

risk
#374 of 550 • Bottom 22.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.48%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.26%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 36.13%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
5
Members Per Employee (MPE)
engagement
Value: 907.500
Peer Avg: 332.881
#5 of 1077 Top 0.4% in 100M-500M tier
7
Net Charge-Off Rate
risk
Value: -0.01%
Peer Avg: 0.47%
#7 of 1077 Top 0.6% in 100M-500M tier
75
Net Worth Ratio
risk
Value: 17.15%
Peer Avg: 12.15%
#75 of 1077 Top 6.9% in 100M-500M tier

Top Weaknesses (16 metrics)

1077
Net Interest Margin (NIM)
profitability
Value: 0.07%
Peer Avg: 3.58%
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1077
Efficiency Ratio
profitability
Value: 807.71%
Peer Avg: 77.28%
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1077
Fee Income Per Member
profitability
Value: $0.00
Peer Avg: $174.31
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1076
Loan-to-Share Ratio
balance_sheet
Value: 14.92%
Peer Avg: 72.70%
#1076 of 1077 Bottom 0.2% in 100M-500M tier
1072
Total Loans
balance_sheet
Value: $25.01M
Peer Avg: $147.80M
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1070
First Mortgage Concentration (%)
balance_sheet
Value: 78.19%
Peer Avg: 30.43%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1069
Loan-to-Member Ratio (LMR)
engagement
Value: $3,445
Peer Avg: $10,245
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1058
Loan Growth Rate
growth
Value: -12.62%
Peer Avg: 3.45%
#1058 of 1077 Bottom 1.9% in 100M-500M tier
1053
Return on Assets (ROA)
profitability
Value: -0.48%
Peer Avg: 0.79%
#1053 of 1077 Bottom 2.3% in 100M-500M tier
992
Deposit Growth Rate
growth
Value: -2.47%
Peer Avg: 4.69%
#992 of 1077 Bottom 8.0% in 100M-500M tier