BlastPoint's Credit Union Scorecard

THE NEW ORLEANS FIREMEN'S

Charter #6 · LA

1069 CUs in 100M-500M nationally 21 in LA

THE NEW ORLEANS FIREMEN'S has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 7.0% in tier
+ ROA 0.15% above tier average
+ Net Interest Margin 1.14% above tier average
+ AMR Growth Rate: Top 2.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 6.7% in tier
- Stagnation Risk: Bottom 26.6% in tier
- Efficiency Drag: Bottom 98.9% in tier
- Efficiency ratio 5.72% above tier (higher cost structure)
- Delinquency rate 0.26% above tier average
- Member decline: -10.0% YoY
- Member Growth Rate: Bottom 3.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	26,121 -10.0% YoY+0.6% QoQ	+10.7K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	Top 10.4% in tier
Assets	$283.8M +5.1% YoY+1.8% QoQ	+$51.9M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	71%
Loans	$213.0M +4.8% YoY+0.5% QoQ	+$65.7M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	79%
Deposits	$245.6M +4.3% YoY+1.8% QoQ	+$44.8M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% YoY	70%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +19421.3% YoY-16.8% QoQ	+0.1%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	62%
NIM	4.7% +2.6% YoY+0.6% QoQ	+1.1%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	Top 5.0% in tier
Efficiency Ratio	82.7% -3.6% YoY+3.5% QoQ	+5.7%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	1.2% -32.3% YoY-8.6% QoQ	+0.3	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	77%
Loan To Share	86.7% +0.4% YoY-1.3% QoQ	+14.5%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	78%
AMR	$17,556 +16.2% YoY+0.6% QoQ	$-7K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	19%
CD Concentration	18.2% +15.4% YoY+5.6% QoQ	-6.2%	24.4%	15.2%	19.8%	50%
Indirect Auto %	1.6% +14.5% YoY-7.2% QoQ	-12.2%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#37 of 513 • Top 7.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 16.17%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#38 of 554 • Bottom 6.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -10.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#148 of 554 • Bottom 26.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -10.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.79%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.16%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#532 of 538 • Bottom 98.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.74%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.91% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -10.00%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 16.17%

Peer Median: -

#28 of 1069 Top 2.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.75%

Peer Median: -

#53 of 1069 Top 4.9% in 100M-500M tier

111

Total Members

engagement

Value: 26,121

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

148

First Mortgage Concentration (%)

balance_sheet

Value: 11.13%

Peer Median: -

#148 of 1069 Top 13.8% in 100M-500M tier

194

Fee Income Per Member

profitability

Value: $232.61

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

223

Total Loans

balance_sheet

Value: $213.02M

Peer Median: -

#223 of 1069 Top 20.8% in 100M-500M tier

234

Loan-to-Share Ratio

balance_sheet

Value: 86.74%

Peer Median: -

#234 of 1069 Top 21.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1036

Member Growth Rate

growth

Value: -10.00%

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

940

Net Charge-Off Rate

risk

Value: 0.91%

Peer Median: -

#940 of 1069 Bottom 12.2% in 100M-500M tier

864

Average Member Relationship (AMR)

engagement

Value: $17,556

Peer Median: -

#864 of 1069 Bottom 19.3% in 100M-500M tier

823

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier

822

Members Per Employee (MPE)

engagement

Value: 261.210

Peer Median: -

#822 of 1069 Bottom 23.2% in 100M-500M tier