D C FIRE DEPARTMENT
Charter #6088 | DC
<100M
(2596 CUs)
Micro
($0-$500M)
18 <100M in DC
D C FIRE DEPARTMENT has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Delinquency rate 2.99% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.0% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,720
+2.7% YoY+0.9% QoQ
|
-905 |
2,625
-2.2% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
45th in tier |
| Assets |
$6.9M
-1.5% YoY-4.4% QoQ
|
$-22.9M |
$29.9M
+1.1% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
25th in tier |
| Loans |
$3.1M
+0.3% YoY+1.8% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 24.4% in tier |
| Deposits |
$5.3M
-2.0% YoY-5.9% QoQ
|
$-20.2M |
$25.5M
+0.4% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 24.4% in tier |
| ROA |
-0.1%
-116.4% YoY-82.3% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.9% in tier |
| NIM |
7.2%
-8.5% YoY+0.8% QoQ
|
+3.2% |
3.9%
+3.8% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
Top 1.1% in tier |
| Efficiency Ratio |
73.9%
+11.9% YoY-0.4% QoQ
|
-7.5% |
81.4%
-2.4% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
40th in tier |
| Delinquency Rate |
4.5%
-19.5% YoY-18.3% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Top 7.0% in tier |
| Loan To Share |
58.1%
+2.4% YoY+8.2% QoQ
|
-3.1% |
61.2%
-3.0% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$4,866
-3.8% YoY-4.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.1%
-38.7% 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 (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
29
Net Interest Margin (NIM)
profitability
Value:
7.18%
Peer Avg: 3.93%
#29 of 2596
Top 1.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
345
Member Growth Rate
growth
Value:
2.75%
Peer Avg: 14.92%
#345 of 2596
Top 13.3% in <100M tier
358
Net Worth Ratio
risk
Value:
23.20%
Peer Avg: 16.43%
#358 of 2596
Top 13.8% in <100M tier
Top Weaknesses (8 metrics)
2415
Total Delinquency Rate (60+ days)
risk
Value:
4.50%
Peer Avg: 1.51%
#2415 of 2596
Bottom 7.0% in <100M tier
2367
Average Member Relationship (AMR)
engagement
Value:
$4,866
Peer Avg: $14,627
#2367 of 2596
Bottom 8.9% in <100M tier
2316
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,789
Peer Avg: $5,488
#2316 of 2596
Bottom 10.8% in <100M tier
2235
Fee Income Per Member
profitability
Value:
$4.67
Peer Avg: $182.96
#2235 of 2596
Bottom 13.9% in <100M tier
2234
Return on Assets (ROA)
profitability
Value:
-0.09%
Peer Avg: 0.68%
#2234 of 2596
Bottom 14.0% in <100M tier
2045
AMR Growth Rate
growth
Value:
-3.81%
Peer Avg: 4.67%
#2045 of 2596
Bottom 21.3% in <100M tier
1963
Total Loans
balance_sheet
Value:
$3.08M
Peer Avg: $15.77M
#1963 of 2596
Bottom 24.4% in <100M tier
1963
Total Deposits
balance_sheet
Value:
$5.29M
Peer Avg: $25.45M
#1963 of 2596
Bottom 24.4% in <100M tier