BlastPoint's Credit Union Scorecard
D C FIRE DEPARTMENT
Charter #6088 · DC
2556 CUs in <100M nationally
18 in DC
D C FIRE DEPARTMENT has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.71% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Delinquency rate 6.24% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
- - Asset Growth Rate: Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - AMR Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,720
+1.4% YoY0% QoQ
|
-895 |
2,615
-1.9% YoY
|
11,054
+4.8% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$6.5M
-8.2% YoY-5.5% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$405.8M
+7.7% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$3.0M
+1.1% YoY-1.4% QoQ
|
$-12.7M |
$15.8M
-1.3% YoY
|
$240.1M
+3.9% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$4.9M
-11.1% YoY-7.6% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$353.5M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.4%
-31.8% YoY-545.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
-0.0%
-109.0% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
7.7%
-1.9% YoY+6.7% QoQ
|
+3.7% |
4.0%
+4.0% YoY
|
3.6%
+2.8% YoY
|
3.8%
+5.1% YoY
|
Top 0.6% in tier |
| Efficiency Ratio |
74.4%
+9.9% YoY+0.6% QoQ
|
-8.2% |
82.6%
-2.3% YoY
|
96.5%
+10.4% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
7.8%
+77.8% YoY+73.3% QoQ
|
+6.2 |
1.6%
-3.1% YoY
|
2.4%
+56.5% YoY
|
1.3%
-2.1% YoY
|
Top 2.9% in tier |
| Loan To Share |
62.0%
+13.7% YoY+6.7% QoQ
|
+1.4% |
60.6%
-3.1% YoY
|
62.1%
-3.1% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$4,607
-8.0% YoY-5.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$22,531
+2.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.1% | 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 (7 metrics)
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
15
Net Interest Margin (NIM)
profitability
Value:
7.66%
Peer Median: -
#15 of 2556
Top 0.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
293
Net Worth Ratio
risk
Value:
24.92%
Peer Median: -
#293 of 2556
Top 11.4% in <100M tier
519
Member Growth Rate
growth
Value:
1.36%
Peer Median: -
#519 of 2556
Top 20.3% in <100M tier
Top Weaknesses (10 metrics)
2482
Total Delinquency Rate (60+ days)
risk
Value:
7.79%
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2410
Deposit Growth Rate
growth
Value:
-11.10%
Peer Median: -
#2410 of 2556
Bottom 5.8% in <100M tier
2375
Asset Growth Rate
growth
Value:
-8.20%
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2358
Average Member Relationship (AMR)
engagement
Value:
$4,607
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier
2324
AMR Growth Rate
growth
Value:
-8.05%
Peer Median: -
#2324 of 2556
Bottom 9.1% in <100M tier
2286
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,763
Peer Median: -
#2286 of 2556
Bottom 10.6% in <100M tier
2262
Fee Income Per Member
profitability
Value:
$3.55
Peer Median: -
#2262 of 2556
Bottom 11.5% in <100M tier
1975
Total Deposits
balance_sheet
Value:
$4.89M
Peer Median: -
#1975 of 2556
Bottom 22.8% in <100M tier
1940
Total Assets
balance_sheet
Value:
$6.53M
Peer Median: -
#1940 of 2556
Bottom 24.1% in <100M tier
1937
Total Loans
balance_sheet
Value:
$3.03M
Peer Median: -
#1937 of 2556
Bottom 24.3% in <100M tier