DENVER FIRE DEPARTMENT

Charter #2881 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in CO

DENVER FIRE DEPARTMENT has 9 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.8% in tier
  • + Emerging Performer: Top 15.7% in tier
  • + Wallet Share Momentum: Top 31.2% in tier
  • + ROA 0.06% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 2.9% in tier
  • + Average Member Relationship (AMR): Top 3.5% in tier
  • + Net Charge-Off Rate: Top 4.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 12.0% in tier
  • - Margin Compression: Bottom 28.6% in tier
  • - Credit Quality Pressure: Bottom 29.3% in tier
  • - Total Members: Bottom 6.7% in tier
  • - Net Interest Margin (NIM): Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 6,262
+0.1% YoY+0.7% QoQ
 -9.4K 15,628
-3.4% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 Bottom 6.6% in tier
Assets $214.7M
+4.4% YoY+2.0% QoQ
 $-16.6M $231.3M
-0.0% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 55th in tier
Loans $102.4M
-1.2% YoY+2.1% QoQ
 $-45.4M $147.8M
-1.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 36th in tier
Deposits $184.8M
+3.9% YoY+1.9% QoQ
 $-15.5M $200.3M
-0.0% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 55th in tier
ROA 0.9%
-14.4% YoY+12.6% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 2.7%
+4.5% YoY+2.9% QoQ
 -0.9% 3.6%
+6.9% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 Bottom 9.6% in tier
Efficiency Ratio 72.4%
+5.6% YoY-3.3% QoQ
 -4.9% 77.3%
-3.0% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 32nd in tier
Delinquency Rate 0.1%
+6.7% YoY-2.1% QoQ
 -0.8 0.9%
+7.6% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 Bottom 2.9% in tier
Loan To Share 55.4%
-4.9% YoY+0.2% QoQ
 -17.3% 72.7%
-1.5% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 Bottom 15.5% in tier
AMR $45,855
+1.9% YoY+1.3% QoQ
 +$21K $24,363
+2.9% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 Top 3.6% in tier
CD Concentration 22.4%
+2.9% YoY-6.6% QoQ
 -2.0% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#382 of 1006 • Top 13.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.87%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#296 of 627 • Top 15.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.85%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.13%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#861 of 1006 • Top 31.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.87%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Liquidity Overhang

risk
#186 of 552 • Bottom 12.0% 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: 13.37%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 55.41%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Margin Compression

decline
#121 of 136 • Bottom 28.6% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.85%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.14% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $214.74M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk
#726 of 736 • Bottom 29.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
32
Total Delinquency Rate (60+ days)
risk
Value: 0.06%
Peer Avg: 0.86%
#32 of 1077 Top 2.9% in 100M-500M tier
39
Average Member Relationship (AMR)
engagement
Value: $45,855
Peer Avg: $24,363
#39 of 1077 Top 3.5% in 100M-500M tier
47
Net Charge-Off Rate
risk
Value: 0.02%
Peer Avg: 0.47%
#47 of 1077 Top 4.3% in 100M-500M tier
83
Loan-to-Member Ratio (LMR)
engagement
Value: $16,349
Peer Avg: $10,245
#83 of 1077 Top 7.6% in 100M-500M tier
235
Members Per Employee (MPE)
engagement
Value: 391.375
Peer Avg: 332.881
#235 of 1077 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1006
Total Members
engagement
Value: 6,262
Peer Avg: 15,628
#1006 of 1077 Bottom 6.7% in 100M-500M tier
974
Net Interest Margin (NIM)
profitability
Value: 2.71%
Peer Avg: 3.58%
#974 of 1077 Bottom 9.7% in 100M-500M tier
910
Loan-to-Share Ratio
balance_sheet
Value: 55.41%
Peer Avg: 72.70%
#910 of 1077 Bottom 15.6% in 100M-500M tier
814
First Mortgage Concentration (%)
balance_sheet
Value: 42.18%
Peer Avg: 30.43%
#814 of 1077 Bottom 24.5% in 100M-500M tier