BlastPoint's Credit Union Scorecard

HOUSTON TEXAS FIRE FIGHTERS

Charter #258 · TX

1077 CUs in 100M-500M nationally 79 in TX

HOUSTON TEXAS FIRE FIGHTERS has 2 strengths but faces 11 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

+ Credit Quality Leader: Top 43.1% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 2.5% in tier
- Shrinking Wallet Share: Bottom 4.5% in tier
- Wealth Migration Risk: Bottom 15.5% in tier
- Cost Spiral: Bottom 20.6% in tier
- Credit Quality Pressure: Bottom 23.9% in tier
- Credit Risk Growth: Bottom 29.1% in tier
- ROA 0.02% below tier average
- Efficiency ratio 0.40% above tier (higher cost structure)
- Asset Growth Rate: Bottom 1.4% in tier
- Deposit Growth Rate: Bottom 1.4% in tier
- AMR Growth Rate: Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	17,584 +0.1% YoY-0.1% QoQ	+2.0K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	66%
Assets	$394.5M -7.2% YoY-2.3% QoQ	+$163.2M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Top 11.5% in tier
Loans	$167.6M +0.6% YoY+0.3% QoQ	+$19.8M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	66%
Deposits	$335.1M -9.1% YoY-3.2% QoQ	+$134.8M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Top 12.2% 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% -25.4% YoY+22.6% QoQ	-0.0%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	50%
NIM	2.9% +1.1% YoY+1.5% QoQ	-0.7%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	17%
Efficiency Ratio	77.7% +8.2% YoY-1.5% QoQ	+0.4%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	52%
Delinquency Rate	0.2% +33.6% YoY-35.9% QoQ	-0.6	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Bottom 11.8% in tier
Loan To Share	50.0% +10.6% YoY+3.6% QoQ	-22.7%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	Bottom 10.8% in tier
AMR	$28,588 -6.2% YoY-2.0% QoQ	+$4K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	79%
CD Concentration	21.8% +31.7% YoY+4.2% QoQ	-2.7%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#147 of 340 • Top 43.1% in tier

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

Why This Signature

Delinquency Rate: 0.21%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (6)

Deposit Outflow

decline

#3 of 81 • Bottom 2.5% 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): -9.07%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.12%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#46 of 244 • Bottom 4.5% in tier

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

Why This Signature

AMR Growth (YoY): -6.17%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Wealth Migration Risk

decline

#18 of 28 • Bottom 15.5% 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: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -6.17%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Cost Spiral

risk

#51 of 62 • Bottom 20.6% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.90% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 59.49%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk

#592 of 736 • Bottom 23.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#436 of 446 • Bottom 29.1% in tier

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

Why This Signature

Loan Growth (YoY): 0.60%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 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 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

124

Total Assets

balance_sheet

Value: $394.49M

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

128

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Avg: -

#128 of 1077 Top 11.8% in 100M-500M tier

131

Total Deposits

balance_sheet

Value: $335.06M

Peer Avg: -

#131 of 1077 Top 12.1% in 100M-500M tier

206

Fee Income Per Member

profitability

Value: $230.54

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

229

Average Member Relationship (AMR)

engagement

Value: $28,588

Peer Avg: -

#229 of 1077 Top 21.2% in 100M-500M tier

266

Net Worth Ratio

risk

Value: 13.63%

Peer Avg: -

#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1063

Asset Growth Rate

growth

Value: -7.22%

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1063

Deposit Growth Rate

growth

Value: -9.07%

Peer Avg: -

#1063 of 1077 Bottom 1.4% in 100M-500M tier

1042

AMR Growth Rate

growth

Value: -6.17%

Peer Avg: -

#1042 of 1077 Bottom 3.3% in 100M-500M tier

961

Loan-to-Share Ratio

balance_sheet

Value: 50.03%

Peer Avg: -

#961 of 1077 Bottom 10.9% in 100M-500M tier

891

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Avg: -

#891 of 1077 Bottom 17.4% in 100M-500M tier