BlastPoint's Credit Union Scorecard

PITTSBURGH FIREFIGHTERS'

Charter #234 · PA

2596 CUs in <100M nationally 198 in PA

PITTSBURGH FIREFIGHTERS' has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.64% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Assets: Top 7.2% in tier
+ Efficiency Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	4,506 -0.5% YoY-0.1% QoQ	+1.9K	2,625 -2.2% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	82%
Assets	$80.6M +0.4% YoY-1.1% QoQ	+$50.8M	$29.9M +1.1% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	Top 7.3% in tier
Loans	$29.0M -7.5% YoY-1.8% QoQ	+$13.3M	$15.8M -2.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	81%
Deposits	$61.9M -1.2% YoY-1.8% QoQ	+$36.5M	$25.5M +0.4% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Top 11.2% in tier

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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	1.3% +5.3% YoY+1.8% QoQ	+0.6%	0.7% -731.4% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	75%
NIM	2.5% -6.9% YoY-1.9% QoQ	-1.4%	3.9% +3.8% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	Bottom 7.9% in tier
Efficiency Ratio	55.1% -6.8% YoY-2.9% QoQ	-26.3%	81.4% -2.4% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Bottom 9.5% in tier
Delinquency Rate	0.2% +2426.8% YoY+1.9% QoQ	-1.4	1.5% -2.0% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	24%
Loan To Share	46.9% -6.4% YoY-0.0% QoQ	-14.3%	61.2% -3.0% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	28%
AMR	$20,183 -2.8% YoY-1.7% QoQ	+$6K	$14,627 -2.7% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	80%
CD Concentration	3.7% -5.3% YoY+18.6% QoQ	-20.7%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	8.0% +2.0% 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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

189

Total Assets

balance_sheet

Value: $80.63M

Peer Avg: -

#189 of 2596 Top 7.2% in <100M tier

247

Efficiency Ratio

profitability

Value: 55.14%

Peer Avg: -

#247 of 2596 Top 9.5% in <100M tier

292

Total Deposits

balance_sheet

Value: $61.91M

Peer Avg: -

#292 of 2596 Top 11.2% in <100M tier

383

Net Worth Ratio

risk

Value: 22.77%

Peer Avg: -

#383 of 2596 Top 14.7% in <100M tier

389

Members Per Employee (MPE)

engagement

Value: 500.667

Peer Avg: -

#389 of 2596 Top 14.9% in <100M tier

464

Total Members

engagement

Value: 4,506

Peer Avg: -

#464 of 2596 Top 17.8% in <100M tier

488

Total Loans

balance_sheet

Value: $29.03M

Peer Avg: -

#488 of 2596 Top 18.8% in <100M tier

510

Average Member Relationship (AMR)

engagement

Value: $20,183

Peer Avg: -

#510 of 2596 Top 19.6% in <100M tier

632

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Avg: -

#632 of 2596 Top 24.3% in <100M tier

Top Weaknesses (2 metrics)

2391

Net Interest Margin (NIM)

profitability

Value: 2.52%

Peer Avg: -

#2391 of 2596 Bottom 7.9% in <100M tier

2289

First Mortgage Concentration (%)

balance_sheet

Value: 41.97%

Peer Avg: -

#2289 of 2596 Bottom 11.9% in <100M tier