BlastPoint's Credit Union Scorecard
FIREFIGHTERS FIRST
Charter #24877 · CA
FIREFIGHTERS FIRST has 8 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 Leader: Top 8.7% in tier
- + Organic Growth Engine: Top 8.7% in tier
- + Strong member growth: 8.9% 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 1.6% in tier
- + Net Charge-Off Rate: Top 4.9% in tier
- + Total Loans: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.7% in tier
- - Credit Risk Growth: Bottom 17.1% in tier
- - Liquidity Strain: Bottom 31.9% in tier
- - Credit Quality Pressure: Bottom 52.1% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 10.46% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,213
+8.9% YoY+2.3% QoQ
|
-18.8K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$2.5B
+8.1% YoY+2.5% QoQ
|
+$750.5M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$2.0B
+11.4% YoY+1.9% QoQ
|
+$829.2M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 5.9% in tier |
| Deposits |
$2.2B
+8.1% YoY+2.7% QoQ
|
+$755.8M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 11.4% in tier |
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| ROA |
0.4%
-9.9% YoY-29.7% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
2.9%
+6.5% YoY+14.1% QoQ
|
-0.5% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
85.1%
+1.7% YoY+4.6% QoQ
|
+10.5% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
0.1%
+34.6% YoY-42.5% QoQ
|
-0.7 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 1.6% in tier |
| Loan To Share |
92.0%
+3.1% YoY-0.7% QoQ
|
+8.8% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$55,227
+0.7% YoY+0.0% QoQ
|
+$26K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 1.3% in tier |
| CD Concentration |
32.3%
+1.8% YoY-2.1% QoQ
|
+3.5% | 28.8% | 21.6% | 19.8% | 67% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 9.0% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)