BlastPoint's Credit Union Scorecard
FIRE FIGHTERS
Charter #60696 · OK
FIRE FIGHTERS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 1.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.1% in tier
- + Average Member Relationship (AMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.75% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,710
-1.4% YoY0% QoQ
|
+94 |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$48.9M
+7.5% YoY+3.5% QoQ
|
+$18.7M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$28.3M
+8.8% YoY+2.2% QoQ
|
+$12.5M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$38.2M
+7.7% YoY+3.8% QoQ
|
+$12.5M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
1.0%
-10.8% YoY-1.7% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
5.3%
-3.7% YoY+0.4% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
83.3%
+2.1% YoY+0.4% QoQ
|
+0.8% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.7%
+20.4% YoY+18.6% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
74.0%
+1.0% YoY-1.6% QoQ
|
+13.4% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$24,522
+9.7% YoY+3.1% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 9.1% in tier |
| CD Concentration |
3.4%
-16.4% YoY-7.0% QoQ
|
-21.0% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)