BlastPoint's Credit Union Scorecard
FIREFIGHTERS & COMPANY
Charter #395 · OH
FIREFIGHTERS & COMPANY has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.8% in tier
- - Stagnation Risk: Bottom 13.5% in tier
- - Membership Headwinds: Bottom 18.0% in tier
- - Institutional Decline: Bottom 27.2% in tier
- - ROA 0.21% below tier average
- - Delinquency rate 0.54% above tier average
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,224
-2.3% YoY-3.2% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 12.1% in tier |
| Assets |
$126.9M
+5.7% YoY+0.6% QoQ
|
$-104.4M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$83.2M
-3.3% YoY-1.6% QoQ
|
$-64.6M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$108.3M
+7.4% YoY+0.8% QoQ
|
$-92.0M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
0.6%
+32.7% YoY+8.2% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.4%
+13.1% YoY-1.1% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
75.4%
-1.7% YoY-5.1% QoQ
|
-1.9% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
1.4%
+45.0% YoY+17.9% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
76.9%
-10.0% YoY-2.5% QoQ
|
+4.2% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$26,505
+4.9% YoY+3.0% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
35.7%
-6.5% YoY+2.4% QoQ
|
+11.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)