BlastPoint's Credit Union Scorecard
WILDFIRE
Charter #60057 · MI
WILDFIRE has 2 strengths but faces 7 concerns
How does the industry compare?
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 32.1% in tier
- + Wallet Share Momentum: Top 32.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 48.2% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 4.06% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.9% in tier
- - Total Members: Bottom 6.5% in tier
- - Total Loans: Bottom 8.5% in tier
- - Share Certificate Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,257
+2.2% YoY+0.8% QoQ
|
-45.8K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 6.2% in tier |
| Assets |
$1.2B
+5.2% YoY+1.5% QoQ
|
$-530.9M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$707.6M
+11.4% YoY+1.6% QoQ
|
$-506.1M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.2% in tier |
| Deposits |
$1.1B
+4.8% YoY+1.9% QoQ
|
$-411.7M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.5%
+462.7% YoY+26.0% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
3.1%
+13.7% YoY+7.7% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
78.7%
-9.5% YoY-3.0% QoQ
|
+4.1% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.5%
-0.9% YoY-16.3% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
67.1%
+6.3% YoY-0.3% QoQ
|
-16.0% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.1% in tier |
| AMR |
$35,049
+5.1% YoY+1.0% QoQ
|
+$5K |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
40.4%
+1.1% YoY-0.7% QoQ
|
+11.5% | 28.8% | 18.6% | 19.8% | Top 10.2% in tier |
| Indirect Auto % |
17.3%
+8.0% YoY+6.1% QoQ
|
-0.8% | 18.1% | 11.7% | 7.7% | 54% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
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)