BlastPoint's Credit Union Scorecard

FIRE POLICE CITY COUNTY

Charter #21593 · IN

1077 CUs in 100M-500M nationally 19 in IN

FIRE POLICE CITY COUNTY has 7 strengths but faces 1 concern

National Analysis

How does the industry compare?
IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 13.0% in tier
  • + Organic Growth Leader: Top 27.6% in tier
  • + Profitability Leader: Top 28.9% in tier
  • + Emerging Performer: Top 62.6% in tier
  • + ROA 0.87% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Fee Income Per Member: Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 11,378
+1.0% YoY+0.6% QoQ
 -4.3K 15,628
-3.4% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 38%
Assets $200.5M
+5.8% YoY+4.6% QoQ
 $-30.8M $231.3M
-0.0% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 50%
Loans $145.0M
+6.2% YoY+1.8% QoQ
 $-2.8M $147.8M
-1.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 59%
Deposits $174.4M
+4.7% YoY+4.9% QoQ
 $-25.9M $200.3M
-0.0% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 50%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.7%
+37.0% YoY-6.5% QoQ
 +0.9% 0.8%
+15.5% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 Top 8.1% in tier
NIM 4.1%
+1.6% YoY+0.1% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 77%
Efficiency Ratio 72.4%
-3.5% YoY+3.2% QoQ
 -4.9% 77.3%
-3.0% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 32%
Delinquency Rate 0.6%
-1.3% YoY+7.5% QoQ
 -0.3 0.9%
+7.6% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 44%
Loan To Share 83.1%
+1.5% YoY-2.9% QoQ
 +10.4% 72.7%
-1.5% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 71%
AMR $28,069
+4.3% YoY+2.8% QoQ
 +$4K $24,363
+2.9% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 77%
CD Concentration 28.5%
+11.6% YoY+6.1% QoQ
 +4.1% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 0.4%
+23.7% YoY-12.6% QoQ
 -13.6% 14.0%
-5.7% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#240 of 603 • Top 13.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.05%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.66%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.40%
(Tier: 13.97%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#364 of 430 • Top 27.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.05%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Indirect Auto %: 0.40%
(Tier: 13.97%, National: 7.90%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Profitability Leader

growth
#99 of 340 • Top 28.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.66%
(Tier: 0.77%, National: 0.71%)
better than tier avg
ROA Change (YoY): 0.45% points
(Tier: 0.11% points, National: 0.05% points)
better than tier avg
340 of 1077 Community CUs have this signature | 457 nationally
→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Emerging Performer

growth
#120 of 191 • Top 62.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.66%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.05%
(Tier: 0.88%, National: 9.37%)
better than tier avg
191 of 1077 Community CUs have this signature | 288 nationally
↑ Growing +20 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

20
Fee Income Per Member
profitability
Value: $398.40
Peer Avg: -
#20 of 1077 Top 1.8% in 100M-500M tier
87
Return on Assets (ROA)
profitability
Value: 1.66%
Peer Avg: -
#87 of 1077 Top 8.0% in 100M-500M tier
207
Loan-to-Member Ratio (LMR)
engagement
Value: $12,741
Peer Avg: -
#207 of 1077 Top 19.1% in 100M-500M tier
246
Net Interest Margin (NIM)
profitability
Value: 4.08%
Peer Avg: -
#246 of 1077 Top 22.7% in 100M-500M tier
246
Average Member Relationship (AMR)
engagement
Value: $28,069
Peer Avg: -
#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1043
Members Per Employee (MPE)
engagement
Value: 192.847
Peer Avg: -
#1043 of 1077 Bottom 3.2% in 100M-500M tier
833
First Mortgage Concentration (%)
balance_sheet
Value: 43.32%
Peer Avg: -
#833 of 1077 Bottom 22.7% in 100M-500M tier
Link copied to clipboard!