WILDFIRE
Charter #60057 | MI
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
19 1B-3B in MI
WILDFIRE has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.5% in tier
- + Emerging Performer: Top 26.8% in tier
- + Organic Growth Leader: Top 28.1% in tier
- + Organic Growth Engine: Top 32.3% in tier
- + Relationship Depth Leader: Top 32.7% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: 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
|
Bottom 18.4% in tier |
| 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
|
Bottom 20.4% in tier |
| 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
|
Bottom 15.8% in tier |
| 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
|
Bottom 22.0% in tier |
| 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
|
Top 17.1% in tier |
| 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
|
53rd in tier |
| 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
|
Top 19.4% in tier |
| CD Concentration |
40.8%
+4.1% YoY+2.3% QoQ
|
+11.8% |
29.0%
+0.8% 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%
-2.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Wallet Share Momentum
growth
#149 of 264 • Top 20.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.89%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Emerging Performer
growth
#143 of 184 • Top 26.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.32%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
1.56%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank improving
Organic Growth Leader
growth
#111 of 138 • Top 28.1% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.56%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#235 of 246 • Top 32.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.56%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.32%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
16.40%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#237 of 264 • Top 32.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.89%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$581.30
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Concerns (4)
Growth-at-Risk
risk
#28 of 161 • Bottom 4.9% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
7.89%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.21% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#62 of 217 • Bottom 8.0% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.21% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank improving
Efficiency Drag
risk
#46 of 96 • Bottom 13.7% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
82.31%
(Tier:
73.45%, National:
79.10%)
ROA Change (YoY):
0.12% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
1.56%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
Indirect Auto Dependency
risk
#176 of 202 • Bottom 28.4% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
4.66%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
16.40%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
1.56%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 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)
Top Strengths (1 metrics)
59
Average Member Relationship (AMR)
engagement
Value:
$34,079
Peer Avg: $29,172
#59 of 304
Top 19.1% in 1B-3B tier
Top Weaknesses (11 metrics)
292
Members Per Employee (MPE)
engagement
Value:
243.951
Peer Avg: 364.953
#292 of 304
Bottom 4.3% in 1B-3B tier
288
Total Loans
balance_sheet
Value:
$676.97M
Peer Avg: $1.23B
#288 of 304
Bottom 5.6% in 1B-3B tier
286
Total Members
engagement
Value:
49,766
Peer Avg: 98,678
#286 of 304
Bottom 6.2% in 1B-3B tier
279
Share Certificate Concentration (%)
balance_sheet
Value:
40.79%
Peer Avg: 28.53%
#279 of 304
Bottom 8.6% in 1B-3B tier
263
Loan-to-Share Ratio
balance_sheet
Value:
66.44%
Peer Avg: 85.19%
#263 of 304
Bottom 13.8% in 1B-3B tier
256
Return on Assets (ROA)
profitability
Value:
0.32%
Peer Avg: 0.70%
#256 of 304
Bottom 16.1% in 1B-3B tier
253
Efficiency Ratio
profitability
Value:
82.31%
Peer Avg: 73.97%
#253 of 304
Bottom 17.1% in 1B-3B tier
248
Total Assets
balance_sheet
Value:
$1.15B
Peer Avg: $1.72B
#248 of 304
Bottom 18.8% in 1B-3B tier
242
Total Deposits
balance_sheet
Value:
$1.02B
Peer Avg: $1.45B
#242 of 304
Bottom 20.7% in 1B-3B tier
237
Net Interest Margin (NIM)
profitability
Value:
2.85%
Peer Avg: 3.26%
#237 of 304
Bottom 22.4% in 1B-3B tier