BlastPoint's Credit Union Scorecard

SAN DIEGO FIREFIGHTERS

Charter #24110 · CA

1077 CUs in 100M-500M nationally 63 in CA

SAN DIEGO FIREFIGHTERS has 9 strengths but faces 10 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 32.5% in tier
+ Relationship Depth Leader: Top 35.5% in tier
+ Wallet Share Momentum: Top 71.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 1.3% in tier
+ Fee Income Per Member: Top 1.4% in tier
+ Loan-to-Member Ratio (LMR): Top 4.8% in tier
+ Asset Growth Rate: Top 7.4% in tier
+ Total Delinquency Rate (60+ days): Top 8.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 18.7% in tier
- Credit Quality Pressure: Bottom 24.8% in tier
- Membership Headwinds: Bottom 26.4% in tier
- Institutional Decline: Bottom 30.5% in tier
- ROA 0.30% below tier average
- Efficiency ratio 1.97% above tier (higher cost structure)
- Total Members: Bottom 1.2% in tier
- Net Interest Margin (NIM): Bottom 1.8% in tier
- Net Worth Ratio: Bottom 3.2% in tier
- Loan-to-Share Ratio: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,519 -1.2% YoY+0.0% QoQ	-12.1K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 1.1% in tier
Assets	$146.3M +11.3% YoY+1.6% QoQ	$-85.0M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	29%
Loans	$64.4M -2.3% YoY-0.8% QoQ	$-83.4M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 12.0% in tier
Deposits	$134.7M +8.8% YoY+1.2% QoQ	$-65.6M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	32%

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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	0.5% +14.1% YoY+20.5% QoQ	-0.3%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	31%
NIM	1.9% -17.1% YoY-4.5% QoQ	-1.7%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 1.7% in tier
Efficiency Ratio	79.2% -2.7% YoY-0.5% QoQ	+2.0%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	58%
Delinquency Rate	0.2% +34.8% YoY-6.6% QoQ	-0.7	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 8.9% in tier
Loan To Share	47.9% -10.2% YoY-2.0% QoQ	-24.8%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 8.5% in tier
AMR	$56,578 +6.3% YoY+0.5% QoQ	+$32K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 1.4% in tier
CD Concentration	34.5% +27.1% YoY+5.9% QoQ	+10.1%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#111 of 340 • Top 32.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.17%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#92 of 257 • Top 35.5% 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): 6.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $7.4K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#342 of 481 • Top 71.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.27%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#309 of 550 • Bottom 18.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.31%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.17%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#614 of 736 • Bottom 24.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#436 of 550 • Bottom 26.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline

#241 of 256 • Bottom 30.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $146.29M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.31%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $56,578

Peer Avg: -

#15 of 1077 Top 1.3% in 100M-500M tier

Fee Income Per Member

profitability

Value: $419.49

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,311

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.29%

Peer Avg: -

#81 of 1077 Top 7.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.17%

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

175

Deposit Growth Rate

growth

Value: 8.83%

Peer Avg: -

#175 of 1077 Top 16.2% in 100M-500M tier

268

AMR Growth Rate

growth

Value: 6.27%

Peer Avg: -

#268 of 1077 Top 24.8% in 100M-500M tier

Top Weaknesses (9 metrics)

1065

Total Members

engagement

Value: 3,519

Peer Avg: -

#1065 of 1077 Bottom 1.2% in 100M-500M tier

1059

Net Interest Margin (NIM)

profitability

Value: 1.87%

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1043

Net Worth Ratio

risk

Value: 7.85%

Peer Avg: -

#1043 of 1077 Bottom 3.2% in 100M-500M tier

985

Loan-to-Share Ratio

balance_sheet

Value: 47.85%

Peer Avg: -

#985 of 1077 Bottom 8.6% in 100M-500M tier

948

Total Loans

balance_sheet

Value: $64.44M

Peer Avg: -

#948 of 1077 Bottom 12.1% in 100M-500M tier

939

Members Per Employee (MPE)

engagement

Value: 234.600

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

904

Share Certificate Concentration (%)

balance_sheet

Value: 34.51%

Peer Avg: -

#904 of 1077 Bottom 16.2% in 100M-500M tier

883

First Mortgage Concentration (%)

balance_sheet

Value: 46.68%

Peer Avg: -

#883 of 1077 Bottom 18.1% in 100M-500M tier

821

Loan Growth Rate

growth

Value: -2.31%

Peer Avg: -

#821 of 1077 Bottom 23.9% in 100M-500M tier