BlastPoint's Credit Union Scorecard
GARY FIREFIGHTERS ASSOCIATION
Charter #169 · IN
GARY FIREFIGHTERS ASSOCIATION has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.04% above tier average
- + Net Interest Margin 0.57% above tier average
- + Net Worth Ratio: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 109.41% above tier (higher cost structure)
- - Delinquency rate 8.75% above tier average
- - Member decline: -4.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Deposits: Bottom 6.3% in tier
- - Total Loans: Bottom 7.5% in tier
- - Total Members: Bottom 7.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits -2.8% year over year ($900K in shares and deposits).
- Membership: 285 members, -4.4% vs a year ago.
- Delinquency rate 10.30%.
- Return on assets 4.53%.
- Efficiency ratio 198.17% vs a 88.77% peer average.
- Loan-to-share ratio 53.42% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
285
-4.4% YoY-2.4% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.6M
-2.2% YoY-0.8% QoQ
|
$-28.7M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.6% in tier |
| Loans |
$480,608
-2.0% YoY+1.6% QoQ
|
$-15.0M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.5% in tier |
| Deposits |
$899,659
-2.8% YoY-1.3% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.2% in tier |
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| ROA |
4.5%
-404.3% YoY-203.4% QoQ
|
+3.0% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
Top 2.0% in tier |
| NIM |
4.5%
+3.0% YoY+55.7% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
198.2%
+53.0% YoY-19.6% QoQ
|
+109.4% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
10.3%
+37.4% YoY-7.2% QoQ
|
+8.7 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.2% in tier |
| Loan To Share |
53.4%
+0.9% YoY+2.9% QoQ
|
-5.5% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$4,843
+1.9% YoY+2.2% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.6% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 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)