BlastPoint's Credit Union Scorecard
FIREFIGHTERS FIRST
Charter #24877 · CA
FIREFIGHTERS FIRST has 11 strengths but faces 7 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 13.8% in tier
- + Organic Growth Leader: Top 14.2% in tier
- + Relationship Depth Leader: Top 96.9% in tier
- + Strong member growth: 8.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.0% in tier
- + Average Member Relationship (AMR): Top 1.7% in tier
- + Net Charge-Off Rate: Top 2.0% in tier
- + Total Delinquency Rate (60+ days): Top 3.3% in tier
- + Member Growth Rate: Top 6.6% in tier
- + Total Loans: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 46.0% in tier
- - Liquidity Strain: Bottom 60.0% in tier
- - Credit Quality Pressure: Bottom 79.5% in tier
- - Efficiency Drag: Bottom 80.9% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 7.32% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,498
+8.9% YoY+1.7% QoQ
|
-21.9K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$2.4B
+9.0% YoY+0.2% QoQ
|
+$686.8M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$2.0B
+11.5% YoY+2.8% QoQ
|
+$770.1M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 7.9% in tier |
| Deposits |
$2.2B
+9.0% YoY+0.3% QoQ
|
+$704.1M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 11.9% in tier |
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| ROA |
0.6%
-9.1% YoY-20.2% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
2.5%
+2.8% YoY-7.1% QoQ
|
-0.8% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio |
81.4%
+3.2% YoY+7.2% QoQ
|
+7.3% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.2%
+50.1% YoY-6.9% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.3% in tier |
| Loan To Share |
92.7%
+2.3% YoY+2.4% QoQ
|
+7.9% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$55,206
+1.2% YoY-0.3% QoQ
|
+$26K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 2.0% in tier |
| CD Concentration |
33.0%
+2.8% YoY+0.6% QoQ
|
+3.9% | 29.0% | 21.7% | 19.8% | 69% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 9.2% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)