BlastPoint's Credit Union Scorecard
DULUTH FIRE DEPARTMENT
Charter #60750 · MN
2596 CUs in <100M nationally
38 in MN
DULUTH FIRE DEPARTMENT has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + 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 2.7% in tier
- + Asset Growth Rate: Top 3.7% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.3% in tier
- - Members Per Employee (MPE): Bottom 4.6% in tier
- - Fee Income Per Member: Bottom 6.1% in tier
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
364
+2.5% YoY+1.1% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 10.0% in tier |
| Assets |
$7.5M
+14.3% YoY+5.6% QoQ
|
$-22.3M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$2.7M
-4.5% YoY-2.7% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$6.2M
+17.2% YoY+6.4% QoQ
|
$-19.3M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
1.0%
-22.4% YoY+25.7% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
2.6%
-6.4% YoY+13.6% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
61.1%
+13.2% YoY-5.7% QoQ
|
-20.2% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
44.1%
-18.5% YoY-8.5% QoQ
|
-17.1% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$24,478
+6.9% YoY+2.3% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 9.0% in tier |
| CD Concentration |
60.0%
+3.5% YoY-1.8% QoQ
|
+35.6% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% 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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
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
72
Deposit Growth Rate
growth
Value:
17.19%
Peer Avg: -
#72 of 2596
Top 2.7% in <100M tier
96
Asset Growth Rate
growth
Value:
14.32%
Peer Avg: -
#96 of 2596
Top 3.7% in <100M tier
233
Average Member Relationship (AMR)
engagement
Value:
$24,478
Peer Avg: -
#233 of 2596
Top 8.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
368
Member Growth Rate
growth
Value:
2.54%
Peer Avg: -
#368 of 2596
Top 14.1% in <100M tier
405
Efficiency Ratio
profitability
Value:
61.15%
Peer Avg: -
#405 of 2596
Top 15.6% in <100M tier
463
AMR Growth Rate
growth
Value:
6.88%
Peer Avg: -
#463 of 2596
Top 17.8% in <100M tier
Top Weaknesses (7 metrics)
2562
Share Certificate Concentration (%)
balance_sheet
Value:
59.98%
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2478
Members Per Employee (MPE)
engagement
Value:
72.800
Peer Avg: -
#2478 of 2596
Bottom 4.6% in <100M tier
2439
Fee Income Per Member
profitability
Value:
$0.39
Peer Avg: -
#2439 of 2596
Bottom 6.1% in <100M tier
2350
Net Interest Margin (NIM)
profitability
Value:
2.63%
Peer Avg: -
#2350 of 2596
Bottom 9.5% in <100M tier
2337
Total Members
engagement
Value:
364
Peer Avg: -
#2337 of 2596
Bottom 10.0% in <100M tier
2024
Total Loans
balance_sheet
Value:
$2.73M
Peer Avg: -
#2024 of 2596
Bottom 22.1% in <100M tier
1972
Loan-to-Share Ratio
balance_sheet
Value:
44.09%
Peer Avg: -
#1972 of 2596
Bottom 24.1% in <100M tier