BlastPoint's Credit Union Scorecard

FIRE POLICE CITY COUNTY

Charter #21593 · IN

1069 CUs in 100M-500M nationally 19 in IN

FIRE POLICE CITY COUNTY has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 39.7% in tier
+ Wallet Share Momentum: Top 80.3% in tier
+ ROA 0.63% above tier average
+ Net Interest Margin 0.44% above tier average
+ Fee Income Per Member: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 22.0% in tier
- Credit Quality Pressure: Bottom 31.1% in tier
- Delinquency rate 0.01% above tier average
- Members Per Employee (MPE): Bottom 5.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	11,272 +0.5% YoY-0.9% QoQ	-4.2K	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	38%
Assets	$203.1M +6.4% YoY+1.3% QoQ	$-28.8M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	52%
Loans	$149.8M +8.1% YoY+3.3% QoQ	+$2.4M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	60%
Deposits	$176.5M +5.4% YoY+1.2% QoQ	$-24.3M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +20.0% YoY-15.8% QoQ	+0.6%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	Top 13.3% in tier
NIM	4.0% +0.9% YoY-0.8% QoQ	+0.4%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	75%
Efficiency Ratio	73.2% -1.8% YoY+1.1% QoQ	-3.8%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	34%
Delinquency Rate	0.9% +59.0% YoY+55.0% QoQ	+0.0	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	63%
Loan To Share	84.9% +2.5% YoY+2.1% QoQ	+12.6%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	75%
AMR	$28,943 +6.1% YoY+3.1% QoQ	+$4K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	79%
CD Concentration	29.1% +14.3% YoY+2.0% QoQ	+4.6%	24.4%	19.3%	19.8%	50%
Indirect Auto %	2.3% +280.3% YoY+474.4% QoQ	-11.5%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#107 of 268 • Top 39.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.12%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#412 of 513 • Top 80.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.12%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#101 of 456 • Bottom 22.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.11%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#220 of 705 • Bottom 31.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $384.50

Peer Median: -

#20 of 1069 Top 1.8% in 100M-500M tier

142

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

184

Loan-to-Member Ratio (LMR)

engagement

Value: $13,285

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

229

Average Member Relationship (AMR)

engagement

Value: $28,943

Peer Median: -

#229 of 1069 Top 21.3% in 100M-500M tier

257

Loan Growth Rate

growth

Value: 8.11%

Peer Median: -

#257 of 1069 Top 23.9% in 100M-500M tier

Top Weaknesses (2 metrics)

1015

Members Per Employee (MPE)

engagement

Value: 204.945

Peer Median: -

#1015 of 1069 Bottom 5.1% in 100M-500M tier

829

First Mortgage Concentration (%)

balance_sheet

Value: 43.18%

Peer Median: -

#829 of 1069 Bottom 22.5% in 100M-500M tier