BlastPoint's Credit Union Scorecard

SAN DIEGO FIREFIGHTERS

Charter #24110 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

SAN DIEGO FIREFIGHTERS has 5 strengths but faces 8 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Fee Income Per Member: Top 1.4% in tier
+ Average Member Relationship (AMR): Top 1.4% in tier
+ Loan-to-Member Ratio (LMR): Top 4.9% in tier
+ Total Delinquency Rate (60+ days): Top 6.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.26% below tier average
- Efficiency ratio 5.03% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 0.3% in tier
- Total Members: Bottom 1.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,511 -0.7% YoY-0.4% QoQ	-11.6K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 1.1% in tier
Assets	$151.7M +6.4% YoY+0.9% QoQ	$-80.0M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	31%
Loans	$64.4M -1.7% YoY-1.1% QoQ	$-79.8M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 13.3% in tier
Deposits	$140.1M +6.2% YoY+0.7% QoQ	$-61.0M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	36%

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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% -469.2% YoY+64.5% QoQ	-0.3%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	34%
NIM	1.6% -22.8% YoY-10.1% QoQ	-2.0%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 0.2% in tier
Efficiency Ratio	83.1% +1.7% YoY-1.6% QoQ	+5.0%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	0.1% -21.9% YoY	-0.7	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 6.7% in tier
Loan To Share	45.9% -7.4% YoY-1.9% QoQ	-24.5%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 8.3% in tier
AMR	$58,242 +4.3% YoY+0.5% QoQ	+$33K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 1.5% in tier
CD Concentration	37.4% +21.8% YoY+6.0% QoQ	+13.1%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#155 of 257 • Top 50.0% 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): 4.27%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $7.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk

#419 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.06%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.60% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#500 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.10%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#541 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#245 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $151.72M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -0.71%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $427.28

Peer Median: $154.95

#16 of 1070 Top 1.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $58,242

Peer Median: $22,931

#16 of 1070 Top 1.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,329

Peer Median: $9,356

#53 of 1070 Top 4.9% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#73 of 1070 Top 6.7% in 100M-500M tier

161

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.35%

#161 of 1070 Top 15.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1068

Net Interest Margin (NIM)

profitability

Value: 1.60%

Peer Median: 3.62%

#1068 of 1070 Bottom 0.3% in 100M-500M tier

1058

Total Members

engagement

Value: 3,511

Peer Median: 13,200

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1051

Net Worth Ratio

risk

Value: 7.56%

Peer Median: 11.45%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

981

Loan-to-Share Ratio

balance_sheet

Value: 45.92%

Peer Median: 71.88%

#981 of 1070 Bottom 8.4% in 100M-500M tier

964

Share Certificate Concentration (%)

balance_sheet

Value: 37.36%

Peer Median: 23.10%

#964 of 1070 Bottom 10.0% in 100M-500M tier

928

Total Loans

balance_sheet

Value: $64.35M

Peer Median: $121.41M

#928 of 1070 Bottom 13.4% in 100M-500M tier

877

First Mortgage Concentration (%)

balance_sheet

Value: 46.82%

Peer Median: 29.47%

#877 of 1070 Bottom 18.1% in 100M-500M tier

815

Loan Growth Rate

growth

Value: -1.75%

Peer Median: 2.93%

#815 of 1070 Bottom 23.9% in 100M-500M tier