HOUSTON TEXAS FIRE FIGHTERS

Charter #258 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

HOUSTON TEXAS FIRE FIGHTERS has 1 strength but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.0% in tier
  • - Shrinking Wallet Share: Bottom 4.5% in tier
  • - Liquidity Overhang: Bottom 9.0% 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
  • - Growth-at-Risk: 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
 66th in tier
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
 66th in tier
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
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
 50th in tier
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
 Bottom 17.3% in tier
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
 52nd in tier
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
 Top 21.3% in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Deposit Outflow

decline
#7 of 114 • Bottom 1.0% in tier

Members staying but deposits leaving. They're losing 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
Total Assets: $394.49M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 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

Liquidity Overhang

risk
#140 of 552 • Bottom 9.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.63%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 50.03%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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
Total Assets: $394.49M
(Tier: $231.30M, National: $547.69M)
but better 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 now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

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): -
(Tier: -, National: -)
Total Assets: $394.49M
(Tier: $231.30M, National: $547.69M)
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

Growth-at-Risk

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: 3.64%, 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
124
Total Assets
balance_sheet
Value: $394.49M
Peer Avg: $231.30M
#124 of 1077 Top 11.4% in 100M-500M tier
128
Total Delinquency Rate (60+ days)
risk
Value: 0.21%
Peer Avg: 0.86%
#128 of 1077 Top 11.8% in 100M-500M tier
131
Total Deposits
balance_sheet
Value: $335.06M
Peer Avg: $200.29M
#131 of 1077 Top 12.1% in 100M-500M tier
206
Fee Income Per Member
profitability
Value: $230.54
Peer Avg: $174.31
#206 of 1077 Top 19.0% in 100M-500M tier
229
Average Member Relationship (AMR)
engagement
Value: $28,588
Peer Avg: $24,363
#229 of 1077 Top 21.2% in 100M-500M tier
266
Net Worth Ratio
risk
Value: 13.63%
Peer Avg: 12.15%
#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1063
Asset Growth Rate
growth
Value: -7.22%
Peer Avg: 4.70%
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1063
Deposit Growth Rate
growth
Value: -9.07%
Peer Avg: 4.69%
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1042
AMR Growth Rate
growth
Value: -6.17%
Peer Avg: 3.64%
#1042 of 1077 Bottom 3.3% in 100M-500M tier
961
Loan-to-Share Ratio
balance_sheet
Value: 50.03%
Peer Avg: 72.70%
#961 of 1077 Bottom 10.9% in 100M-500M tier
891
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Avg: 3.58%
#891 of 1077 Bottom 17.4% in 100M-500M tier