BlastPoint's Credit Union Scorecard

HOUSTON TEXAS FIRE FIGHTERS

Charter #258 · TX

1069 CUs in 100M-500M nationally 79 in TX

HOUSTON TEXAS FIRE FIGHTERS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.04% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 4.4% in tier
- Shrinking Wallet Share: Bottom 32.8% in tier
- Wealth Migration Risk: Bottom 63.2% in tier
- Credit Quality Pressure: Bottom 89.9% in tier
- Efficiency ratio 0.35% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.3% in tier
- Asset Growth Rate: Bottom 3.5% in tier
- AMR Growth Rate: Bottom 5.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	17,640 +0.3% YoY+0.3% QoQ	+2.2K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	67%
Assets	$395.0M -4.2% YoY+0.1% QoQ	+$163.2M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Top 11.7% in tier
Loans	$169.1M +0.5% YoY+0.9% QoQ	+$21.8M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	67%
Deposits	$336.1M -5.7% YoY+0.3% QoQ	+$135.3M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Top 12.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +2.0% YoY+4.5% QoQ	+0.0%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	54%
NIM	2.9% +16.9% YoY+0.6% QoQ	-0.7%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	17%
Efficiency Ratio	77.4% +3.4% YoY-0.4% QoQ	+0.4%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	51%
Delinquency Rate	0.4% +8.3% YoY+107.7% QoQ	-0.5	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	27%
Loan To Share	50.3% +6.6% YoY+0.6% QoQ	-21.9%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Bottom 11.2% in tier
AMR	$28,640 -4.0% YoY+0.2% QoQ	+$4K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	78%
CD Concentration	22.8% +27.1% YoY+4.8% QoQ	-1.6%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Deposit Outflow

decline

#4 of 69 • Bottom 4.4% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -5.74%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.31%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline

#69 of 208 • Bottom 32.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.05%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Wealth Migration Risk

decline

#13 of 20 • Bottom 63.2% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $28.6K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -4.05%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

Credit Quality Pressure

risk

#634 of 705 • Bottom 89.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

125

Total Assets

balance_sheet

Value: $395.02M

Peer Median: -

#125 of 1069 Top 11.6% in 100M-500M tier

133

Total Deposits

balance_sheet

Value: $336.08M

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

197

Fee Income Per Member

profitability

Value: $232.10

Peer Median: -

#197 of 1069 Top 18.3% in 100M-500M tier

240

Average Member Relationship (AMR)

engagement

Value: $28,640

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

251

Net Worth Ratio

risk

Value: 13.83%

Peer Median: -

#251 of 1069 Top 23.4% in 100M-500M tier

Top Weaknesses (5 metrics)

1045

Deposit Growth Rate

growth

Value: -5.74%

Peer Median: -

#1045 of 1069 Bottom 2.3% in 100M-500M tier

1033

Asset Growth Rate

growth

Value: -4.19%

Peer Median: -

#1033 of 1069 Bottom 3.5% in 100M-500M tier

1013

AMR Growth Rate

growth

Value: -4.05%

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

949

Loan-to-Share Ratio

balance_sheet

Value: 50.32%

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

892

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: -

#892 of 1069 Bottom 16.7% in 100M-500M tier