BlastPoint's Credit Union Scorecard
DULUTH FIRE DEPARTMENT
Charter #60750 · MN
2556 CUs in <100M nationally
38 in MN
DULUTH FIRE DEPARTMENT has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 6.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Asset Growth Rate: Top 8.2% in tier
- + Member Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Share Certificate Concentration (%): Bottom 1.6% in tier
- - Members Per Employee (MPE): Bottom 4.6% in tier
- - Net Interest Margin (NIM): Bottom 4.9% in tier
- - Fee Income Per Member: Bottom 5.0% in tier
- - Total Members: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
367
+3.7% YoY+0.8% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 9.9% in tier |
| Assets |
$7.4M
+10.5% YoY-1.5% QoQ
|
$-22.7M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$2.7M
-8.8% YoY-2.1% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$6.1M
+12.2% YoY-1.6% QoQ
|
$-19.6M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.6%
-13.4% YoY-46.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
2.1%
-4.8% YoY-19.1% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio |
74.1%
+2.9% YoY+21.2% QoQ
|
-8.4% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
43.8%
-18.7% YoY-0.5% QoQ
|
-16.8% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$23,859
+1.1% YoY-2.5% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 10.4% in tier |
| CD Concentration |
59.0%
-0.8% YoY-1.6% QoQ
|
+34.6% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
172
Deposit Growth Rate
growth
Value:
12.17%
Peer Median: -
#172 of 2556
Top 6.7% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
210
Asset Growth Rate
growth
Value:
10.47%
Peer Median: -
#210 of 2556
Top 8.2% in <100M tier
217
Member Growth Rate
growth
Value:
3.67%
Peer Median: -
#217 of 2556
Top 8.5% in <100M tier
267
Average Member Relationship (AMR)
engagement
Value:
$23,859
Peer Median: -
#267 of 2556
Top 10.4% in <100M tier
591
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,273
Peer Median: -
#591 of 2556
Top 23.1% in <100M tier
Top Weaknesses (8 metrics)
2517
Share Certificate Concentration (%)
balance_sheet
Value:
59.02%
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2439
Members Per Employee (MPE)
engagement
Value:
73.400
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2432
Net Interest Margin (NIM)
profitability
Value:
2.13%
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2430
Fee Income Per Member
profitability
Value:
$0.29
Peer Median: -
#2430 of 2556
Bottom 5.0% in <100M tier
2303
Total Members
engagement
Value:
367
Peer Median: -
#2303 of 2556
Bottom 9.9% in <100M tier
2001
Total Loans
balance_sheet
Value:
$2.67M
Peer Median: -
#2001 of 2556
Bottom 21.8% in <100M tier
1941
Loan Growth Rate
growth
Value:
-8.84%
Peer Median: -
#1941 of 2556
Bottom 24.1% in <100M tier
1931
Loan-to-Share Ratio
balance_sheet
Value:
43.85%
Peer Median: -
#1931 of 2556
Bottom 24.5% in <100M tier