BlastPoint's Credit Union Scorecard

FIREFIGHTERS FIRST

Charter #24877 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

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FIREFIGHTERS FIRST has 14 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 1.8% in tier
+ Organic Growth Leader: Top 4.3% in tier
+ Credit Quality Leader: Top 17.0% in tier
+ Relationship Depth Leader: Top 75.8% in tier
+ ROA 0.06% above tier average
+ 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 1.6% in tier
+ Net Charge-Off Rate: Top 2.0% in tier
+ Total Delinquency Rate (60+ days): Top 3.9% in tier
+ Member Growth Rate: Top 6.2% in tier
+ Deposit Growth Rate: Top 7.2% in tier
+ Total Loans: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.3% in tier
- Credit Quality Pressure: Bottom 17.7% in tier
- Liquidity Strain: Bottom 26.2% in tier
- Margin Compression: Bottom 26.8% in tier
- Efficiency ratio 1.95% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	74,209 +8.9% YoY+2.7% QoQ	-24.5K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	31%
Assets	$2.4B +10.0% YoY+3.4% QoQ	+$686.0M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	82%
Loans	$2.0B +11.6% YoY+3.2% QoQ	+$717.6M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Top 9.5% in tier
Deposits	$2.2B +13.1% YoY+3.4% QoQ	+$702.5M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Top 12.8% in tier

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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	0.8% -13.0% YoY+11.1% QoQ	+0.1%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	61%
NIM	2.7% +6.8% YoY+0.6% QoQ	-0.5%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	17%
Efficiency Ratio	75.9% +2.5% YoY-2.3% QoQ	+1.9%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	58%
Delinquency Rate	0.2% +103.7% YoY-37.9% QoQ	-0.6	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 3.9% in tier
Loan To Share	90.4% -1.3% YoY-0.2% QoQ	+5.2%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	56%
AMR	$55,349 +3.2% YoY+0.5% QoQ	+$26K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 2.0% in tier
CD Concentration	32.8% +1.7% YoY+1.0% QoQ	+3.8%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	68%
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#14 of 246 • Top 1.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.93%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.77%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#18 of 138 • Top 4.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.93%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Credit Quality Leader

growth

#17 of 95 • Top 17.0% in tier

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

Why This Signature

Delinquency Rate: 0.18%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.09% points

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

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#51 of 67 • Top 75.8% 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): 3.18%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.3K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#47 of 161 • Bottom 8.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.59%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#136 of 217 • Bottom 17.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Liquidity Strain

risk

#138 of 183 • Bottom 26.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.44%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 11.59%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Margin Compression

decline

#23 of 24 • Bottom 26.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.77%

(Tier: 0.71%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 0.88%

(Tier: 0.64%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

24 of 380 Mid-Market CUs have this signature | 169 nationally

↓ Shrinking -16 CUs YoY | 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 304 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $26,286

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $55,349

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Member Growth Rate

growth

Value: 8.93%

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Deposit Growth Rate

growth

Value: 13.12%

Peer Avg: -

#23 of 304 Top 7.2% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.95B

Peer Avg: -

#29 of 304 Top 9.2% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.16B

Peer Avg: -

#39 of 304 Top 12.5% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.59%

Peer Avg: -

#42 of 304 Top 13.5% in 1B-3B tier

Top Weaknesses (4 metrics)

288

Members Per Employee (MPE)

engagement

Value: 249.862

Peer Avg: -

#288 of 304 Bottom 5.6% in 1B-3B tier

264

Net Worth Ratio

risk

Value: 9.15%

Peer Avg: -

#264 of 304 Bottom 13.5% in 1B-3B tier

252

Net Interest Margin (NIM)

profitability

Value: 2.72%

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

231

First Mortgage Concentration (%)

balance_sheet

Value: 42.88%

Peer Avg: -

#231 of 304 Bottom 24.3% in 1B-3B tier