BlastPoint's Credit Union Scorecard

DENVER FIRE DEPARTMENT

Charter #2881 · CO

100M-500M

1024 CUs in 100M-500M nationally 26 in CO

DENVER FIRE DEPARTMENT has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO 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
+ Emerging Performer: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.18% above tier average
+ Net Charge-Off Rate: Top 3.6% in tier
+ Average Member Relationship (AMR): Top 3.9% in tier
+ Total Delinquency Rate (60+ days): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Total Members: Bottom 8.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
Shares and deposits +2.4% year over year ($186M in shares and deposits).
Membership: 6,326 members, +1.7% vs a year ago.
Delinquency rate 0.09%.
Return on assets 1.04%.
Efficiency ratio 69.07% vs a 76.73% peer average.
Loan-to-share ratio 58.47% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	6,326 +1.7% YoY+0.8% QoQ	-8.8K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	Bottom 8.0% in tier
Assets	$213.5M +1.4% YoY+1.3% QoQ	$-18.5M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	55%
Loans	$108.5M +8.3% YoY+1.2% QoQ	$-37.7M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	40%
Deposits	$185.6M +2.4% YoY+1.4% QoQ	$-15.1M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	55%

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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	1.0% +37.4% YoY+29.8% QoQ	+0.2%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	67%
NIM	3.0% +15.0% YoY-2.0% QoQ	-0.7%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	Bottom 14.6% in tier
Efficiency Ratio	69.1% -7.7% YoY-8.1% QoQ	-7.7%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	24%
Delinquency Rate	0.1% +47.5% YoY-12.2% QoQ	-0.8	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	Top 5.1% in tier
Loan To Share	58.5% +5.7% YoY-0.2% QoQ	-13.1%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	24%
AMR	$46,495 +2.7% YoY+0.6% QoQ	+$21K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	Top 4.0% in tier
CD Concentration	21.9% -8.7% YoY-2.2% QoQ	-2.7%	24.6%	27.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#160 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.72%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.04%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Organic Growth Leader

growth

#234 of 342 • 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): 1.72%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Emerging Performer

growth

#125 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.04%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.72%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Relationship Depth Leader

growth

#202 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.72%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $5.9K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#332 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.26%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#623 of 693 • 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): 0.03% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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 1024 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.34%

#38 of 1024 Top 3.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $46,495

Peer Median: $23,006

#41 of 1024 Top 3.9% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.71%

#53 of 1024 Top 5.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,155

Peer Median: $9,434

#71 of 1024 Top 6.8% in 100M-500M tier

160

Members Per Employee (MPE)

engagement

Value: 421.733

Peer Median: 310.924

#160 of 1024 Top 15.5% in 100M-500M tier

233

Loan Growth Rate

growth

Value: 8.26%

Peer Median: 3.02%

#233 of 1024 Top 22.7% in 100M-500M tier

236

Net Worth Ratio

risk

Value: 14.15%

Peer Median: 11.71%

#236 of 1024 Top 22.9% in 100M-500M tier

247

Efficiency Ratio

profitability

Value: 69.07%

Peer Median: 77.26%

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

942

Total Members

engagement

Value: 6,326

Peer Median: 13,128

#942 of 1024 Bottom 8.1% in 100M-500M tier

874

Net Interest Margin (NIM)

profitability

Value: 3.03%

Peer Median: 3.67%

#874 of 1024 Bottom 14.7% in 100M-500M tier

829

First Mortgage Concentration (%)

balance_sheet

Value: 45.94%

Peer Median: 29.92%

#829 of 1024 Bottom 19.1% in 100M-500M tier

795

Fee Income Per Member

profitability

Value: $112.35

Peer Median: $159.88

#795 of 1024 Bottom 22.5% in 100M-500M tier

783

Loan-to-Share Ratio

balance_sheet

Value: 58.47%

Peer Median: 73.07%

#783 of 1024 Bottom 23.6% in 100M-500M tier