FIRE FIGHTERS
Charter #60696 | OK
<100M
(2596 CUs)
Micro
($0-$500M)
27 <100M 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
|
63rd in tier |
| 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
|
Top 24.2% in tier |
| 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
|
Top 20.6% in tier |
| 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
|
73rd in tier |
| 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
|
64th in tier |
| 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
|
62nd in tier |
| 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
|
72nd in tier |
| 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
|
70th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
192
AMR Growth Rate
growth
Value:
11.50%
Peer Avg: 4.67%
#192 of 2596
Top 7.4% in <100M tier
198
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,205
Peer Avg: $5,488
#198 of 2596
Top 7.6% in <100M tier
225
Asset Growth Rate
growth
Value:
9.91%
Peer Avg: 1.82%
#225 of 2596
Top 8.6% in <100M tier
246
Net Interest Margin (NIM)
profitability
Value:
5.32%
Peer Avg: 3.93%
#246 of 2596
Top 9.4% in <100M tier
262
Loan Growth Rate
growth
Value:
10.38%
Peer Avg: 59.01%
#262 of 2596
Top 10.1% in <100M tier
264
Fee Income Per Member
profitability
Value:
$169.26
Peer Avg: $182.96
#264 of 2596
Top 10.1% in <100M tier
266
Average Member Relationship (AMR)
engagement
Value:
$23,784
Peer Avg: $14,627
#266 of 2596
Top 10.2% in <100M tier
280
Deposit Growth Rate
growth
Value:
9.09%
Peer Avg: 16.80%
#280 of 2596
Top 10.7% in <100M tier
Top Weaknesses (0 metrics)
No weakness rankings available