BlastPoint's Credit Union Scorecard

WILDFIRE

Charter #60057 · MI

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 19 in MI
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WILDFIRE has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 51.6% in tier
  • + Organic Growth Leader: Top 78.7% in tier
  • + Organic Growth Engine: Top 92.3% in tier
  • + Wallet Share Momentum: Top 98.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 61.8% in tier
  • - Indirect Auto Dependency: Bottom 84.6% in tier
  • - ROA 0.31% below tier average
  • - Efficiency ratio 7.06% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 2.6% in tier
  • - Total Members: Bottom 6.3% in tier
  • - Total Loans: Bottom 7.0% in tier
  • - Share Certificate Concentration (%): Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 49,856
+1.7% YoY+0.2% QoQ
-47.6K 97,431
-2.4% YoY
35,710
+6.8% YoY
33,374
+5.7% YoY
Bottom 6.0% in tier
Assets $1.2B
+5.4% YoY+1.6% QoQ
$-552.4M $1.7B
+0.9% YoY
$674.6M
+13.3% YoY
$561.6M
+9.7% YoY
18%
Loans $696.4M
+10.7% YoY+2.9% QoQ
$-538.0M $1.2B
+0.5% YoY
$472.4M
+13.5% YoY
$397.0M
+8.8% YoY
Bottom 6.6% in tier
Deposits $1.0B
+4.5% YoY+1.5% QoQ
$-425.1M $1.5B
+0.9% YoY
$573.0M
+13.1% YoY
$477.3M
+9.7% YoY
22%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
+37.2% YoY+17.2% QoQ
-0.3% 0.7%
+20.9% YoY
0.9%
-8.5% YoY
0.7%
+15.9% YoY
21%
NIM 2.9%
+18.0% YoY+1.8% QoQ
-0.4% 3.3%
+9.2% YoY
3.8%
+7.8% YoY
3.8%
+5.1% YoY
24%
Efficiency Ratio 81.1%
-4.5% YoY-1.5% QoQ
+7.1% 74.1%
-9.5% YoY
75.4%
-1.6% YoY
79.7%
-3.3% YoY
78%
Delinquency Rate 0.6%
-2.6% YoY-17.9% QoQ
-0.3 0.9%
+6.2% YoY
0.9%
-8.5% YoY
1.3%
-2.1% YoY
34%
Loan To Share 67.3%
+6.0% YoY+1.4% QoQ
-17.4% 84.8%
-0.8% YoY
67.1%
-0.1% YoY
67.4%
-1.7% YoY
Bottom 13.9% in tier
AMR $34,714
+5.1% YoY+1.9% QoQ
+$5K $29,428
+2.4% YoY
$22,475
+5.7% YoY
$19,687
+2.0% YoY
83%
CD Concentration 40.7%
+2.6% YoY-0.3% QoQ
+11.6% 29.0% 18.6% 19.8% Top 10.4% in tier
Indirect Auto % 16.3%
+3.4% YoY-0.6% QoQ
-2.0% 18.3% 11.8% 7.8% 51%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#34 of 65 • Top 51.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 3.31%, National: 4.00%)
better than tier avg
Share Draft per Member: $611.31
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
65 of 378 Mid-Market CUs have this signature | 351 nationally
↑ Growing +20 CUs YoY | Rank improving

Organic Growth Leader

growth
#112 of 142 • Top 78.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.72%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 16.30%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth
#228 of 247 • Top 92.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.72%
(Tier: 3.43%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.38%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 16.30%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Wallet Share Momentum

growth
#121 of 123 • Top 98.4% in tier

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

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#56 of 90 • Bottom 61.8% in tier

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

Why This Signature
Efficiency Ratio: 81.11%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.10% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 1.72%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#166 of 196 • Bottom 84.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.36%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 16.30%
(Tier: 18.31%, National: 7.78%)
but better than tier avg
Member Growth (YoY): 1.72%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank improving

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)

Comparing against 302 peers in tier

Top Strengths (2 metrics)

52
Average Member Relationship (AMR)
engagement
Value: $34,714
Peer Median: -
#52 of 302 Top 16.9% in 1B-3B tier
55
Loan Growth Rate
growth
Value: 10.74%
Peer Median: -
#55 of 302 Top 17.9% in 1B-3B tier

Top Weaknesses (11 metrics)

295
Members Per Employee (MPE)
engagement
Value: 229.751
Peer Median: -
#295 of 302 Bottom 2.6% in 1B-3B tier
284
Total Members
engagement
Value: 49,856
Peer Median: -
#284 of 302 Bottom 6.3% in 1B-3B tier
282
Total Loans
balance_sheet
Value: $696.45M
Peer Median: -
#282 of 302 Bottom 7.0% in 1B-3B tier
277
Share Certificate Concentration (%)
balance_sheet
Value: 40.66%
Peer Median: -
#277 of 302 Bottom 8.6% in 1B-3B tier
260
Loan-to-Share Ratio
balance_sheet
Value: 67.34%
Peer Median: -
#260 of 302 Bottom 14.2% in 1B-3B tier
247
Total Assets
balance_sheet
Value: $1.17B
Peer Median: -
#247 of 302 Bottom 18.5% in 1B-3B tier
238
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Median: -
#238 of 302 Bottom 21.5% in 1B-3B tier
237
Efficiency Ratio
profitability
Value: 81.11%
Peer Median: -
#237 of 302 Bottom 21.9% in 1B-3B tier
236
Total Deposits
balance_sheet
Value: $1.03B
Peer Median: -
#236 of 302 Bottom 22.2% in 1B-3B tier
234
First Mortgage Concentration (%)
balance_sheet
Value: 43.46%
Peer Median: -
#234 of 302 Bottom 22.8% in 1B-3B tier
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