BlastPoint's Credit Union Scorecard
FIRSTENERGY FAMILY
Charter #61620 · OH
FIRSTENERGY FAMILY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.82% above tier average
- + Members Per Employee (MPE): Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Fee Income Per Member: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,267
-2.4% YoY-1.2% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$44.9M
+5.6% YoY+2.0% QoQ
|
+$14.8M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$26.4M
-5.2% YoY-5.3% QoQ
|
+$10.6M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$37.6M
+5.2% YoY+2.7% QoQ
|
+$11.9M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.4%
+59.5% YoY-32.8% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.7%
+8.0% YoY-10.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
61.3%
-16.9% YoY+26.7% QoQ
|
-21.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 12.9% in tier |
| Delinquency Rate |
0.4%
+93.5% YoY-12.1% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
70.2%
-9.9% YoY-7.8% QoQ
|
+9.6% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$14,987
+3.1% YoY+0.5% QoQ
|
+$204 |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
26.2%
+18.1% YoY+20.0% QoQ
|
+1.8% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)