BlastPoint's Credit Union Scorecard
GARY FIREFIGHTERS ASSOCIATION
Charter #169 · IN
GARY FIREFIGHTERS ASSOCIATION has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 4.53% below tier average
- - Efficiency ratio 155.98% above tier (higher cost structure)
- - Delinquency rate 9.59% above tier average
- - Member decline: -2.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Members Per Employee (MPE): Bottom 6.1% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Total Loans: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
292
-2.3% YoY-0.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 7.6% in tier |
| Assets |
$1.6M
-1.4% YoY+1.0% QoQ
|
$-28.6M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.9% in tier |
| Loans |
$472,858
-7.3% YoY-4.9% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.3% in tier |
| Deposits |
$911,117
-1.9% YoY+2.7% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.4% in tier |
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| ROA |
-4.4%
+194.5% YoY+618.9% QoQ
|
-4.5% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.0% in tier |
| NIM |
2.9%
-47.9% YoY-46.1% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
246.6%
+95.7% YoY+122.0% QoQ
|
+156.0% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate |
11.1%
+24.8% YoY+0.5% QoQ
|
+9.6 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.1% in tier |
| Loan To Share |
51.9%
-5.5% YoY-7.4% QoQ
|
-6.6% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$4,740
-1.6% YoY+0.3% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)