BlastPoint's Credit Union Scorecard
WILDFIRE
Charter #60057 · MI
WILDFIRE has 3 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 28.1% in tier
- + Organic Growth Engine: Top 32.3% in tier
- + Relationship Depth Leader: Top 62.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.9% in tier
- - Credit Quality Pressure: Bottom 8.0% in tier
- - Efficiency Drag: Bottom 13.7% in tier
- - Indirect Auto Dependency: Bottom 28.4% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 8.34% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Total Loans: Bottom 5.6% in tier
- - Total Members: Bottom 6.2% in tier
- - Share Certificate Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,766
+1.6% YoY+0.7% QoQ
|
-48.9K |
98,678
-1.9% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.9% in tier |
| Assets |
$1.2B
+4.7% YoY+0.8% QoQ
|
$-567.3M |
$1.7B
+0.5% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$677.0M
+7.9% YoY+3.5% QoQ
|
$-556.1M |
$1.2B
+0.5% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.3% in tier |
| Deposits |
$1.0B
+4.0% YoY+0.5% QoQ
|
$-435.3M |
$1.5B
+1.3% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.3%
+60.4% YoY+24.3% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
2.9%
+19.5% YoY+1.8% QoQ
|
-0.4% |
3.3%
+9.3% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
82.3%
-6.8% YoY-2.9% QoQ
|
+8.3% |
74.0%
-10.9% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.7%
+41.3% YoY-6.5% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
66.4%
+3.7% YoY+2.9% QoQ
|
-18.8% |
85.2%
-0.8% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.5% in tier |
| AMR |
$34,079
+3.9% YoY+1.0% QoQ
|
+$5K |
$29,172
+2.8% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
40.8%
+4.1% YoY+2.3% QoQ
|
+11.8% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
Top 10.0% in tier |
| Indirect Auto % |
16.4%
+2.2% YoY-0.5% QoQ
|
-2.4% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)