BlastPoint's Credit Union Scorecard

FIRE FIGHTERS

Charter #60696 ยท OK

2596 CUs in <100M nationally 27 in OK

FIRE FIGHTERS has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.38% 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
  • + AMR Growth Rate: Top 7.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.6% in tier
  • + Asset Growth Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 1.61% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 2,710
-1.7% YoY-0.6% QoQ
+84 2,625
-2.2% YoY
27,533
+2.7% YoY
33,089
+6.1% YoY
63%
Assets $47.2M
+9.9% YoY-3.0% QoQ
+$17.4M $29.9M
+1.1% YoY
$405.5M
+5.4% YoY
$547.7M
+7.8% YoY
76%
Loans $27.7M
+10.4% YoY+2.2% QoQ
+$11.9M $15.8M
-2.4% YoY
$252.8M
+1.3% YoY
$388.7M
+8.6% YoY
79%
Deposits $36.8M
+9.1% YoY-4.2% QoQ
+$11.3M $25.5M
+0.4% YoY
$336.4M
+4.6% YoY
$464.6M
+9.3% YoY
73%

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Tier 1
50+ financial metrics with peer benchmarks
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ROA 1.1%
-9.3% YoY+10.1% QoQ
+0.4% 0.7%
-731.4% YoY
0.6%
+31.7% YoY
0.7%
+273.4% YoY
64%
NIM 5.3%
-3.1% YoY+0.5% QoQ
+1.4% 3.9%
+3.8% YoY
3.9%
+3.8% YoY
3.7%
+5.0% YoY
Top 9.5% in tier
Efficiency Ratio 83.0%
+1.5% YoY-1.7% QoQ
+1.6% 81.4%
-2.4% YoY
79.2%
-1.1% YoY
79.1%
-3.3% YoY
62%
Delinquency Rate 1.5%
+7.6% YoY+10.7% QoQ
-0.1 1.5%
-2.0% YoY
1.1%
-4.2% YoY
1.2%
-0.9% YoY
72%
Loan To Share 75.2%
+1.2% YoY+6.7% QoQ
+13.9% 61.2%
-3.0% YoY
71.1%
-2.1% YoY
68.0%
-1.7% YoY
70%
AMR $23,784
+11.5% YoY-0.9% QoQ
+$9K $14,627
-2.7% YoY
$17,893
+3.6% YoY
$19,418
+1.3% YoY
Top 10.2% in tier
CD Concentration 3.6%
-14.5% YoY+3.1% QoQ
-20.8% 24.4%
+4.2% YoY
23.2%
+1.7% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
15.2%
-17.2% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (13 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
192
AMR Growth Rate
growth
Value: 11.50%
Peer Avg: -
#192 of 2596 Top 7.4% in <100M tier
198
Loan-to-Member Ratio (LMR)
engagement
Value: $10,205
Peer Avg: -
#198 of 2596 Top 7.6% in <100M tier
225
Asset Growth Rate
growth
Value: 9.91%
Peer Avg: -
#225 of 2596 Top 8.6% in <100M tier
246
Net Interest Margin (NIM)
profitability
Value: 5.32%
Peer Avg: -
#246 of 2596 Top 9.4% in <100M tier
262
Loan Growth Rate
growth
Value: 10.38%
Peer Avg: -
#262 of 2596 Top 10.1% in <100M tier
264
Fee Income Per Member
profitability
Value: $169.26
Peer Avg: -
#264 of 2596 Top 10.1% in <100M tier
266
Average Member Relationship (AMR)
engagement
Value: $23,784
Peer Avg: -
#266 of 2596 Top 10.2% in <100M tier
280
Deposit Growth Rate
growth
Value: 9.09%
Peer Avg: -
#280 of 2596 Top 10.7% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available
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