BlastPoint's Credit Union Scorecard

DENVER FIRE DEPARTMENT

Charter #2881 · CO

1077 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

+ Credit Quality Leader: Top 9.7% in tier
+ Relationship Depth Leader: Top 88.7% 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

- 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	55%
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	36%
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	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	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	56%
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	32%
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	16%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#34 of 340 • Top 9.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.06%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#228 of 257 • Top 88.7% 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): 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

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (2)

Margin Compression

decline

#121 of 136 • Bottom 28.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. 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 (Prior Year): 1.00%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Avg: -

#32 of 1077 Top 2.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $45,855

Peer Avg: -

#39 of 1077 Top 3.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Avg: -

#47 of 1077 Top 4.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,349

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

235

Members Per Employee (MPE)

engagement

Value: 391.375

Peer Avg: -

#235 of 1077 Top 21.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1006

Total Members

engagement

Value: 6,262

Peer Avg: -

#1006 of 1077 Bottom 6.7% in 100M-500M tier

974

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier

910

Loan-to-Share Ratio

balance_sheet

Value: 55.41%

Peer Avg: -

#910 of 1077 Bottom 15.6% in 100M-500M tier

814

First Mortgage Concentration (%)

balance_sheet

Value: 42.18%

Peer Avg: -

#814 of 1077 Bottom 24.5% in 100M-500M tier