BlastPoint's Credit Union Scorecard
FIRE POLICE CITY COUNTY
Charter #21593 · IN
FIRE POLICE CITY COUNTY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.30% above tier average
- + Fee Income Per Member: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 3.73% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
- Shares and deposits +7.9% year over year ($179M in shares and deposits).
- Membership: 11,203 members, -1.0% vs a year ago.
- Delinquency rate 0.66%.
- Return on assets 0.56%.
- Efficiency ratio 80.46% vs a 76.73% peer average.
- Loan-to-share ratio 84.08% vs a 71.54% 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 |
11,203
-1.0% YoY-0.4% QoQ
|
-4.0K |
15,168
-2.6% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$206.6M
+7.8% YoY-1.3% QoQ
|
$-25.4M |
$232.0M
+0.7% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$150.9M
+5.9% YoY+1.5% QoQ
|
+$4.6M |
$146.3M
+0.2% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$179.5M
+7.9% YoY-1.7% QoQ
|
$-21.2M |
$200.7M
+0.2% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.6%
-68.2% YoY-22.5% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
4.0%
-2.2% YoY+2.1% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
80.5%
+14.7% YoY-1.8% QoQ
|
+3.7% |
76.7%
-0.8% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.7%
+21.6% YoY+58.7% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
84.1%
-1.8% YoY+3.2% QoQ
|
+12.5% |
71.5%
-0.3% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$29,489
+8.0% YoY+0.2% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
28.1%
+4.8% YoY+3.5% QoQ
|
+3.6% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % |
1.9%
+315.3% YoY-11.0% QoQ
|
-11.7% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)