BlastPoint's Credit Union Scorecard
THE NEW ORLEANS FIREMEN'S
Charter #6 · LA
THE NEW ORLEANS FIREMEN'S has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 1.09% above tier average
- + AMR Growth Rate: Top 4.0% in tier
- + Total Members: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 3.29% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -8.1% YoY
- - Member Growth Rate: Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,121
-8.1% YoY0% QoQ
|
+11.0K |
15,145
-2.5% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Top 10.1% in tier |
| Assets |
$288.3M
+4.3% YoY+1.6% QoQ
|
+$56.6M |
$231.7M
+0.8% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$218.2M
+6.9% YoY+2.4% QoQ
|
+$74.0M |
$144.1M
+0.2% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$251.1M
+3.8% YoY+2.3% QoQ
|
+$50.0M |
$201.1M
+0.4% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.0%
-97.5% YoY-98.6% QoQ
|
-0.7% |
0.7%
+5.1% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.9% in tier |
| NIM |
4.7%
+2.0% YoY-0.6% QoQ
|
+1.1% |
3.6%
+4.6% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
Top 6.3% in tier |
| Efficiency Ratio |
81.3%
-0.2% YoY-1.7% QoQ
|
+3.3% |
78.0%
-1.7% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
1.0%
-20.6% YoY-10.0% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
86.9%
+3.0% YoY+0.2% QoQ
|
+16.5% |
70.4%
-0.4% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$17,966
+14.5% YoY+2.3% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
18.1%
+15.3% YoY-0.3% QoQ
|
-6.1% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % |
2.2%
+70.2% YoY+34.9% QoQ
|
-11.6% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)