BlastPoint's Credit Union Scorecard
DENVER FIRE DEPARTMENT
Charter #2881 · CO
DENVER FIRE DEPARTMENT has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 87.6% in tier
- + ROA 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.1% in tier
- + Total Delinquency Rate (60+ days): Top 3.6% in tier
- + Average Member Relationship (AMR): Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 7.1% in tier
- - Net Interest Margin (NIM): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,267
+0.5% YoY+0.1% QoQ
|
-9.2K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$217.1M
+5.5% YoY+1.1% QoQ
|
$-14.8M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$101.9M
+0.0% YoY-0.5% QoQ
|
$-45.5M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$186.2M
+4.2% YoY+0.8% QoQ
|
$-14.6M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
0.8%
-2.7% YoY-4.6% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
2.7%
+5.3% YoY+0.7% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
73.7%
+1.8% YoY+1.8% QoQ
|
-3.3% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.1%
-37.8% YoY+37.7% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
54.7%
-4.0% YoY-1.3% QoQ
|
-17.5% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$45,960
+2.2% YoY+0.2% QoQ
|
+$21K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 3.7% in tier |
| CD Concentration |
22.2%
+0.5% YoY-0.9% QoQ
|
-2.3% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (0)
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)