BlastPoint's Credit Union Scorecard
GARY FIREFIGHTERS ASSOCIATION
Charter #169 · IN
2556 CUs in <100M nationally
82 in IN
GARY FIREFIGHTERS ASSOCIATION has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Efficiency ratio 28.52% above tier (higher cost structure)
- - Delinquency rate 9.49% above tier average
- - Member decline: -2.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Net Charge-Off Rate: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Deposits: Bottom 6.3% in tier
- - Total Loans: Bottom 7.4% in tier
- - Total Members: Bottom 7.5% in tier
- - Total Assets: Bottom 7.8% in tier
- - Average Member Relationship (AMR): Bottom 8.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
293
-2.3% YoY-0.7% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.6M
-4.9% YoY-3.9% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.8% in tier |
| Loans |
$497,098
-4.0% YoY-1.9% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.4% in tier |
| Deposits |
$887,380
-7.7% YoY-6.7% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.3% in tier |
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| ROA |
-0.6%
+172.9% YoY-37.2% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.9% in tier |
| NIM |
5.3%
-14.2% YoY+6.8% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
111.1%
+7.3% YoY-6.4% QoQ
|
+28.5% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 6.2% in tier |
| Delinquency Rate |
11.0%
+38.1% YoY+74.5% QoQ
|
+9.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 2.0% in tier |
| Loan To Share |
56.0%
+4.0% YoY+5.1% QoQ
|
-4.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$4,725
-4.2% YoY-4.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
39
Net Worth Ratio
risk
Value:
44.28%
Peer Median: -
#39 of 2556
Top 1.5% in <100M tier
227
Net Interest Margin (NIM)
profitability
Value:
5.33%
Peer Median: -
#227 of 2556
Top 8.8% in <100M tier
Top Weaknesses (15 metrics)
2505
Total Delinquency Rate (60+ days)
risk
Value:
11.04%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2480
Net Charge-Off Rate
risk
Value:
3.26%
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2405
Members Per Employee (MPE)
engagement
Value:
97.667
Peer Median: -
#2405 of 2556
Bottom 5.9% in <100M tier
2399
Efficiency Ratio
profitability
Value:
111.08%
Peer Median: -
#2399 of 2556
Bottom 6.2% in <100M tier
2395
Total Deposits
balance_sheet
Value:
$887,380
Peer Median: -
#2395 of 2556
Bottom 6.3% in <100M tier
2367
Total Loans
balance_sheet
Value:
$497,098
Peer Median: -
#2367 of 2556
Bottom 7.4% in <100M tier
2365
Total Members
engagement
Value:
293
Peer Median: -
#2365 of 2556
Bottom 7.5% in <100M tier
2357
Total Assets
balance_sheet
Value:
$1.59M
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2355
Return on Assets (ROA)
profitability
Value:
-0.61%
Peer Median: -
#2355 of 2556
Bottom 7.9% in <100M tier
2348
Average Member Relationship (AMR)
engagement
Value:
$4,725
Peer Median: -
#2348 of 2556
Bottom 8.2% in <100M tier