BlastPoint's Credit Union Scorecard
THE NEW ORLEANS FIREMEN'S
Charter #6 · LA
THE NEW ORLEANS FIREMEN'S has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 9.4% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 1.14% above tier average
- + AMR Growth Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.4% in tier
- - Stagnation Risk: Bottom 2.9% in tier
- - Efficiency ratio 2.64% above tier (higher cost structure)
- - Delinquency rate 0.41% above tier average
- - Member decline: -9.3% YoY
- - Member Growth Rate: Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,961
-9.3% YoY+0.2% QoQ
|
+10.3K |
15,628
-3.4% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 11.2% in tier |
| Assets |
$278.9M
+3.2% YoY+1.4% QoQ
|
+$47.6M |
$231.3M
-0.0% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$212.0M
+6.3% YoY+2.5% QoQ
|
+$64.2M |
$147.8M
-1.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$241.2M
+2.0% YoY+0.8% QoQ
|
+$40.9M |
$200.3M
-0.0% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
69% |
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| ROA |
1.1%
-628.6% YoY+13.1% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
4.7%
+5.7% YoY+2.4% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
79.9%
-10.4% YoY-1.7% QoQ
|
+2.6% |
77.3%
-3.0% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
1.3%
-12.5% YoY-13.1% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
87.9%
+4.2% YoY+1.7% QoQ
|
+15.2% |
72.7%
-1.5% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$17,458
+14.7% YoY+1.3% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
17.2%
+9.0% YoY+4.7% QoQ
|
-7.2% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.7%
+136.1% YoY+55.8% QoQ
|
-12.2% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)