FIREFIGHTERS FIRST

Charter #24877 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

FIREFIGHTERS FIRST has 14 strengths but faces 6 concerns

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
  • + Relationship Depth Leader: Top 9.4% in tier
  • + Wallet Share Momentum: Top 24.4% 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

  • - Growth-at-Risk: 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
 31st in tier
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
 Top 18.1% in tier
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
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
 61st in tier
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
 Bottom 17.1% in tier
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
 58th in tier
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
 56th in tier
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%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% 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: 18.80%, 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 without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.93%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Relationship Depth Leader

growth
#69 of 264 • Top 9.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#177 of 264 • Top 24.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.18%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (4)

Growth-at-Risk

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: 86.35%, 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

Strong profitability track record but margins eroding. 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 Change (YoY): -0.11% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $2.41B
(Tier: $1.72B, National: $547.69M)
but better 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)

Comparing against 304 peers in tier

Top Strengths (13 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
4
Loan-to-Member Ratio (LMR)
engagement
Value: $26,286
Peer Avg: $13,213
#4 of 304 Top 1.0% in 1B-3B tier
6
Average Member Relationship (AMR)
engagement
Value: $55,349
Peer Avg: $29,172
#6 of 304 Top 1.6% in 1B-3B tier
7
Net Charge-Off Rate
risk
Value: 0.05%
Peer Avg: 0.60%
#7 of 304 Top 2.0% in 1B-3B tier
13
Total Delinquency Rate (60+ days)
risk
Value: 0.18%
Peer Avg: 0.83%
#13 of 304 Top 3.9% in 1B-3B tier
20
Member Growth Rate
growth
Value: 8.93%
Peer Avg: 2.20%
#20 of 304 Top 6.2% in 1B-3B tier
23
Deposit Growth Rate
growth
Value: 13.12%
Peer Avg: 5.58%
#23 of 304 Top 7.2% in 1B-3B tier
29
Total Loans
balance_sheet
Value: $1.95B
Peer Avg: $1.23B
#29 of 304 Top 9.2% in 1B-3B tier
39
Total Deposits
balance_sheet
Value: $2.16B
Peer Avg: $1.45B
#39 of 304 Top 12.5% in 1B-3B tier
42
Loan Growth Rate
growth
Value: 11.59%
Peer Avg: 5.27%
#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: 364.953
#288 of 304 Bottom 5.6% in 1B-3B tier
264
Net Worth Ratio
risk
Value: 9.15%
Peer Avg: 11.44%
#264 of 304 Bottom 13.5% in 1B-3B tier
252
Net Interest Margin (NIM)
profitability
Value: 2.72%
Peer Avg: 3.26%
#252 of 304 Bottom 17.4% in 1B-3B tier
231
First Mortgage Concentration (%)
balance_sheet
Value: 42.88%
Peer Avg: 34.01%
#231 of 304 Bottom 24.3% in 1B-3B tier