BlastPoint's Credit Union Scorecard
WILDFIRE
Charter #60057 · MI
WILDFIRE has 4 strengths but faces 8 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
- + 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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| 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
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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)