BlastPoint's Credit Union Scorecard
SAN DIEGO FIREFIGHTERS
Charter #24110 · CA
SAN DIEGO FIREFIGHTERS has 8 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 39.0% in tier
- + Wallet Share Momentum: Top 79.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Total Delinquency Rate (60+ days): Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.1% in tier
- + Asset Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 24.2% in tier
- - Stagnation Risk: Bottom 94.0% in tier
- - Institutional Decline: Bottom 97.5% in tier
- - Membership Headwinds: Bottom 100.0% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 7.42% above tier (higher cost structure)
- - Total Members: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Net Worth Ratio: Bottom 2.2% in tier
- - Loan-to-Share Ratio: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,525
-0.5% YoY+0.2% QoQ
|
-11.9K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 1.1% in tier |
| Assets |
$150.4M
+11.9% YoY+2.8% QoQ
|
$-81.5M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$65.1M
-0.9% YoY+1.0% QoQ
|
$-82.3M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.9% in tier |
| Deposits |
$139.1M
+9.0% YoY+3.3% QoQ
|
$-61.7M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.3%
-34.6% YoY-40.6% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
1.8%
-20.6% YoY-4.8% QoQ
|
-1.8% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
84.4%
+5.5% YoY+6.5% QoQ
|
+7.4% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.0%
-86.8% YoY-76.2% QoQ
|
-0.9 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.0% in tier |
| Loan To Share |
46.8%
-9.0% YoY-2.2% QoQ
|
-25.4% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.0% in tier |
| AMR |
$57,923
+6.2% YoY+2.4% QoQ
|
+$33K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 1.6% in tier |
| CD Concentration |
35.3%
+24.0% YoY+2.2% QoQ
|
+10.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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 (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)