BlastPoint's Credit Union Scorecard
FIREFIGHTERS FIRST
Charter #24877 · CA
FIREFIGHTERS FIRST has 8 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.7% in tier
- + Organic Growth Leader: Top 9.7% in tier
- + ROA 0.18% above tier average
- + Strong member growth: 8.6% YoY
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Total Delinquency Rate (60+ days): Top 4.0% in tier
- + Total Loans: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26.7% in tier
- - Members Per Employee (MPE): Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +6.3% year over year ($2.22B in shares and deposits).
- Membership: 78,464 members, +8.6% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 1.00%.
- Efficiency ratio 71.89% vs a 73.02% peer average.
- Loan-to-share ratio 94.98% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,464
+8.6% YoY+1.6% QoQ
|
-18.4K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$2.5B
+6.6% YoY+0.4% QoQ
|
+$754.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$2.1B
+11.5% YoY+3.2% QoQ
|
+$873.4M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 5.0% in tier |
| Deposits |
$2.2B
+6.3% YoY-0.1% QoQ
|
+$755.7M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 12.0% in tier |
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| ROA |
1.0%
+44.6% YoY+132.2% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
2.9%
+8.4% YoY+1.7% QoQ
|
-0.5% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
71.9%
-7.5% YoY-15.5% QoQ
|
-1.1% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
0.2%
-32.6% YoY+102.8% QoQ
|
-0.7 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 4.0% in tier |
| Loan To Share |
95.0%
+4.8% YoY+3.3% QoQ
|
+10.3% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$55,143
+0.1% YoY-0.2% QoQ
|
+$26K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 1.3% in tier |
| CD Concentration |
32.8%
+0.9% YoY+1.4% QoQ
|
+3.7% | 29.1% | 22.2% | 20.0% | 67% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 9.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)