BlastPoint's Credit Union Scorecard
TOLEDO FIRE FIGHTERS
Charter #3748 · OH
TOLEDO FIRE FIGHTERS has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.21% above tier average
- + Net Interest Margin 0.46% above tier average
- + Strong member growth: 5.7% YoY
- + Member Growth Rate: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,774
+5.7% YoY+0.4% QoQ
|
+148 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$43.7M
+3.4% YoY-0.7% QoQ
|
+$13.9M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$18.7M
-5.6% YoY-2.0% QoQ
|
+$2.9M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$36.2M
+1.7% YoY-1.2% QoQ
|
+$10.8M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
1.9%
-17.6% YoY-9.2% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 10.9% in tier |
| NIM |
4.4%
+6.1% YoY+2.1% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
57.0%
+4.3% YoY-2.3% QoQ
|
-24.4% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
0.5%
+37.7% YoY-51.2% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
51.6%
-7.1% YoY-0.8% QoQ
|
-9.7% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$19,789
-6.2% YoY-1.9% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
3.0%
+41.4% YoY+2.9% QoQ
|
-21.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
24.4%
+15.3% YoY+9.1% QoQ
|
+10.4% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)