BlastPoint's Credit Union Scorecard

HOUSTON TEXAS FIRE FIGHTERS

Charter #258 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 1.00% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 5.4% in tier
- Asset Growth Rate: Bottom 7.2% in tier
- AMR Growth Rate: Bottom 7.9% in tier
- Net Interest Margin (NIM): Bottom 9.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	17,733 +0.5% YoY+0.5% QoQ	+2.6K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	69%
Assets	$401.2M -2.7% YoY+1.6% QoQ	+$169.5M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 10.9% in tier
Loans	$167.7M +0.4% YoY-0.8% QoQ	+$23.6M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	68%
Deposits	$341.6M -3.8% YoY+1.6% QoQ	+$140.5M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 11.5% 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	0.7% -21.9% YoY-7.5% QoQ	+0.0%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	54%
NIM	2.8% -3.6% YoY-3.9% QoQ	-0.8%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 9.6% in tier
Efficiency Ratio	79.0% +5.6% YoY+2.1% QoQ	+1.0%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.4% +117.8% YoY+1.7% QoQ	-0.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	36%
Loan To Share	49.1% +4.4% YoY-2.4% QoQ	-21.3%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Bottom 11.2% in tier
AMR	$28,723 -3.0% YoY+0.3% QoQ	+$4K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	77%
CD Concentration	23.5% +25.6% YoY+3.0% QoQ	-0.8%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#305 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.54%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.74%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#364 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.54%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Deposit Outflow

decline

#17 of 72 • Bottom 50.0% 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): -3.83%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.54%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Credit Quality Pressure

risk

#294 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#99 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -3.01%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

117

Total Assets

balance_sheet

Value: $401.19M

Peer Median: $196.57M

#117 of 1070 Top 10.8% in 100M-500M tier

123

Total Deposits

balance_sheet

Value: $341.61M

Peer Median: $171.29M

#123 of 1070 Top 11.4% in 100M-500M tier

182

Fee Income Per Member

profitability

Value: $224.31

Peer Median: $154.95

#182 of 1070 Top 16.9% in 100M-500M tier

246

Net Worth Ratio

risk

Value: 13.80%

Peer Median: 11.45%

#246 of 1070 Top 22.9% in 100M-500M tier

246

Average Member Relationship (AMR)

engagement

Value: $28,723

Peer Median: $22,931

#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1013

Deposit Growth Rate

growth

Value: -3.83%

Peer Median: 3.30%

#1013 of 1070 Bottom 5.4% in 100M-500M tier

994

Asset Growth Rate

growth

Value: -2.67%

Peer Median: 3.91%

#994 of 1070 Bottom 7.2% in 100M-500M tier

986

AMR Growth Rate

growth

Value: -3.01%

Peer Median: 3.46%

#986 of 1070 Bottom 7.9% in 100M-500M tier

967

Net Interest Margin (NIM)

profitability

Value: 2.83%

Peer Median: 3.62%

#967 of 1070 Bottom 9.7% in 100M-500M tier

950

Loan-to-Share Ratio

balance_sheet

Value: 49.10%

Peer Median: 71.88%

#950 of 1070 Bottom 11.3% in 100M-500M tier