BlastPoint's Credit Union Scorecard
GARY FIREFIGHTERS ASSOCIATION
Charter #169 · IN
2596 CUs in <100M nationally
82 in IN
GARY FIREFIGHTERS ASSOCIATION has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% 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 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.65% below tier average
- - Efficiency ratio 37.33% above tier (higher cost structure)
- - Delinquency rate 4.82% above tier average
- - Member decline: -2.6% YoY
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 6.1% in tier
- - Total Deposits: Bottom 7.1% in tier
- - Total Loans: Bottom 7.7% in tier
- - Total Members: Bottom 7.9% in tier
- - Total Assets: Bottom 8.2% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
295
-2.6% YoY-1.0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 7.8% in tier |
| Assets |
$1.7M
-1.7% YoY+1.7% QoQ
|
$-28.2M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.2% in tier |
| Loans |
$506,696
-5.8% YoY+3.3% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.7% in tier |
| Deposits |
$950,600
-2.9% YoY+2.7% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.0% in tier |
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| ROA |
-1.0%
+12563.4% YoY-34.8% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.7% in tier |
| NIM |
5.0%
-25.6% YoY+15.1% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
118.7%
+18.6% YoY-8.3% QoQ
|
+37.3% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 4.4% in tier |
| Delinquency Rate |
6.3%
-26.4% YoY-15.5% QoQ
|
+4.8 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 4.1% in tier |
| Loan To Share |
53.3%
-3.0% YoY+0.6% QoQ
|
-7.9% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$4,940
-1.3% YoY+3.9% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
48
Net Worth Ratio
risk
Value:
42.67%
Peer Avg: -
#48 of 2596
Top 1.8% in <100M tier
374
Net Interest Margin (NIM)
profitability
Value:
4.99%
Peer Avg: -
#374 of 2596
Top 14.4% in <100M tier
Top Weaknesses (12 metrics)
2546
Net Charge-Off Rate
risk
Value:
4.16%
Peer Avg: -
#2546 of 2596
Bottom 2.0% in <100M tier
2491
Total Delinquency Rate (60+ days)
risk
Value:
6.33%
Peer Avg: -
#2491 of 2596
Bottom 4.1% in <100M tier
2482
Efficiency Ratio
profitability
Value:
118.73%
Peer Avg: -
#2482 of 2596
Bottom 4.4% in <100M tier
2449
Return on Assets (ROA)
profitability
Value:
-0.97%
Peer Avg: -
#2449 of 2596
Bottom 5.7% in <100M tier
2438
Members Per Employee (MPE)
engagement
Value:
98.333
Peer Avg: -
#2438 of 2596
Bottom 6.1% in <100M tier
2413
Total Deposits
balance_sheet
Value:
$950,600
Peer Avg: -
#2413 of 2596
Bottom 7.1% in <100M tier
2396
Total Loans
balance_sheet
Value:
$506,696
Peer Avg: -
#2396 of 2596
Bottom 7.7% in <100M tier
2393
Total Members
engagement
Value:
295
Peer Avg: -
#2393 of 2596
Bottom 7.9% in <100M tier
2383
Total Assets
balance_sheet
Value:
$1.66M
Peer Avg: -
#2383 of 2596
Bottom 8.2% in <100M tier
2357
Average Member Relationship (AMR)
engagement
Value:
$4,940
Peer Avg: -
#2357 of 2596
Bottom 9.2% in <100M tier