BlastPoint's Credit Union Scorecard

NORFOLK FIRE DEPARTMENT

Charter #3746 · VA

<100M

2508 CUs in <100M nationally 48 in VA

NORFOLK FIRE DEPARTMENT demonstrates 2 strengths

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.20% above tier average
+ Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	1,995 -1.5% YoY-0.3% QoQ	-681	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	52%
Assets	$26.7M +0.8% YoY-1.2% QoQ	$-3.5M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	56%
Loans	$6.7M -13.7% YoY-7.6% QoQ	$-8.6M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	41%
Deposits	$21.3M -1.4% YoY-1.7% QoQ	$-4.4M	$25.8M +0.7% YoY	$2.6B +7.7% 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	1.3% -27.2% YoY-34.4% QoQ	+1.2%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	81%
NIM	4.1% -5.0% YoY-11.1% QoQ	+0.1%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	69.5% +8.6% YoY+16.0% QoQ	-21.1%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	0.5% -30.6% YoY-4.1% QoQ	-1.0	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	42%
Loan To Share	31.4% -12.5% YoY-6.0% QoQ	-27.1%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	Bottom 12.6% in tier
AMR	$14,052 -3.2% YoY-2.9% QoQ	$-833	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	51%
CD Concentration	1.7% +29.1% YoY+4.9% QoQ	-22.5%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

360

Members Per Employee (MPE)

engagement

Value: 498.750

Peer Median: 333.750

#360 of 2508 Top 14.3% in <100M tier

479

Return on Assets (ROA)

profitability

Value: 1.34%

Peer Median: 0.61%

#479 of 2508 Top 19.1% in <100M tier

568

Net Worth Ratio

risk

Value: 19.80%

Peer Median: 14.28%

#568 of 2508 Top 22.6% in <100M tier

622

Efficiency Ratio

profitability

Value: 69.48%

Peer Median: 81.45%

#622 of 2508 Top 24.8% in <100M tier

Top Weaknesses (3 metrics)

2190

Loan-to-Share Ratio

balance_sheet

Value: 31.37%

Peer Median: 58.72%

#2190 of 2508 Bottom 12.7% in <100M tier

2168

Loan Growth Rate

growth

Value: -13.73%

Peer Median: -2.36%

#2168 of 2508 Bottom 13.6% in <100M tier

1903

AMR Growth Rate

growth

Value: -3.18%

Peer Median: 1.27%

#1903 of 2508 Bottom 24.2% in <100M tier