BlastPoint's Credit Union Scorecard

DENVER FIRE DEPARTMENT

Charter #2881 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

DENVER FIRE DEPARTMENT has 8 strengths but faces 4 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
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.07% above tier average
+ Average Member Relationship (AMR): Top 3.6% in tier
+ Loan-to-Member Ratio (LMR): Top 6.3% in tier
+ Net Charge-Off Rate: Top 6.4% in tier
+ Total Delinquency Rate (60+ days): Top 6.6% 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
- Fee Income Per Member: Bottom 3.3% in tier
- Total Members: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	6,275 +0.5% YoY+0.1% QoQ	-8.9K	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	Bottom 7.6% in tier
Assets	$210.7M -0.5% YoY-2.9% QoQ	$-21.0M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	54%
Loans	$107.2M +8.7% YoY+5.2% QoQ	$-37.0M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	40%
Deposits	$183.0M -0.4% YoY-1.7% QoQ	$-18.2M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	54%

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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% +30.7% YoY-1.5% QoQ	+0.1%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	58%
NIM	3.1% +17.3% YoY+13.2% QoQ	-0.5%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	75.2% -4.8% YoY+2.0% QoQ	-2.8%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.1% +24.5% QoQ	-0.7	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	Top 6.6% in tier
Loan To Share	58.6% +9.1% YoY+7.1% QoQ	-11.8%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	24%
AMR	$46,238 +2.3% YoY+0.6% QoQ	+$21K	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	Top 3.7% in tier
CD Concentration	22.4% +5.7% YoY+0.9% QoQ	-1.9%	24.3%	26.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#299 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.80%

(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

Relationship Depth Leader

growth

#222 of 257 • 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): 2.28%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $5.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Organic Growth Leader

growth

#369 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): 0.51%

(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 (2)

Credit Risk Growth

risk

#234 of 476 • 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): 8.69%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#513 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): 0.09% 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

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 (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

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

Average Member Relationship (AMR)

engagement

Value: $46,238

Peer Median: $22,931

#40 of 1070 Top 3.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,082

Peer Median: $9,356

#68 of 1070 Top 6.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.35%

#70 of 1070 Top 6.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: 0.61%

#72 of 1070 Top 6.6% in 100M-500M tier

175

Members Per Employee (MPE)

engagement

Value: 418.333

Peer Median: 309.176

#175 of 1070 Top 16.3% in 100M-500M tier

219

Net Worth Ratio

risk

Value: 14.01%

Peer Median: 11.45%

#219 of 1070 Top 20.4% in 100M-500M tier

229

Loan Growth Rate

growth

Value: 8.69%

Peer Median: 2.93%

#229 of 1070 Top 21.3% in 100M-500M tier

Top Weaknesses (7 metrics)

1036

Fee Income Per Member

profitability

Value: $46.93

Peer Median: $154.95

#1036 of 1070 Bottom 3.3% in 100M-500M tier

989

Total Members

engagement

Value: 6,275

Peer Median: 13,200

#989 of 1070 Bottom 7.7% in 100M-500M tier

921

Asset Growth Rate

growth

Value: -0.52%

Peer Median: 3.91%

#921 of 1070 Bottom 14.0% in 100M-500M tier

881

Deposit Growth Rate

growth

Value: -0.36%

Peer Median: 3.30%

#881 of 1070 Bottom 17.8% in 100M-500M tier

860

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: 3.62%

#860 of 1070 Bottom 19.7% in 100M-500M tier

856

First Mortgage Concentration (%)

balance_sheet

Value: 45.25%

Peer Median: 29.47%

#856 of 1070 Bottom 20.1% in 100M-500M tier

810

Loan-to-Share Ratio

balance_sheet

Value: 58.59%

Peer Median: 71.88%

#810 of 1070 Bottom 24.4% in 100M-500M tier