BlastPoint's Credit Union Scorecard

PROFESSIONAL FIRE FIGHTERS

Charter #62337 · LA

<100M

2508 CUs in <100M nationally 107 in LA

PROFESSIONAL FIRE FIGHTERS has 5 strengths but faces 1 concern

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.54% above tier average
+ Average Member Relationship (AMR): Top 1.8% in tier
+ Loan-to-Member Ratio (LMR): Top 1.9% in tier
+ Efficiency Ratio: Top 4.9% in tier
+ Total Loans: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	2,726 +3.2% YoY+0.7% QoQ	+49	2,676 +1.6% YoY	9,512 +2.6% YoY	33,913 +5.7% YoY	64%
Assets	$69.8M +1.8% YoY-1.6% QoQ	+$39.6M	$30.2M +1.3% YoY	$128.1M +5.9% YoY	$578.3M +9.0% YoY	Top 12.3% in tier
Loans	$40.7M +1.7% YoY+2.2% QoQ	+$25.4M	$15.3M -2.0% YoY	$89.6M +5.7% YoY	$402.4M +8.7% YoY	Top 9.1% in tier
Deposits	$55.4M +0.5% YoY-4.0% QoQ	+$29.7M	$25.8M +0.7% YoY	$109.6M +6.0% YoY	$494.3M +9.1% YoY	85%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% -8.8% YoY-1.4% QoQ	+1.5%	0.1% -77.6% YoY	0.1% -79.1% YoY	0.4% -39.2% YoY	Top 11.2% in tier
NIM	3.1% -5.4% YoY-1.7% QoQ	-0.9%	4.0% +4.0% YoY	4.2% -0.4% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	50.2% +2.3% YoY-1.3% QoQ	-40.4%	90.6% +6.5% YoY	88.0% +2.9% YoY	84.6% +2.8% YoY	Top 4.9% in tier
Delinquency Rate	0.7% -20.7% YoY-28.1% QoQ	-0.8	1.5% +3.8% YoY	1.7% -21.7% YoY	1.2% +3.4% YoY	52%
Loan To Share	73.4% +1.1% YoY+6.5% QoQ	+14.9%	58.5% -3.0% YoY	68.2% -2.4% YoY	65.6% -1.4% YoY	72%
AMR	$35,268 -2.1% YoY-2.1% QoQ	+$20K	$14,884 -1.7% YoY	$13,483 +2.5% YoY	$19,920 +1.6% YoY	Top 1.8% in tier
CD Concentration	38.5% +14.0% YoY+5.8% QoQ	+14.2%	24.3%	14.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Average Member Relationship (AMR)

engagement

Value: $35,268

Peer Median: $13,926

#45 of 2508 Top 1.8% in <100M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $14,933

Peer Median: $4,923

#48 of 2508 Top 1.9% in <100M tier

124

Efficiency Ratio

profitability

Value: 50.22%

Peer Median: 81.45%

#124 of 2508 Top 4.9% in <100M tier

227

Total Loans

balance_sheet

Value: $40.71M

Peer Median: $9.48M

#227 of 2508 Top 9.0% in <100M tier

280

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: 0.61%

#280 of 2508 Top 11.1% in <100M tier

284

Member Growth Rate

growth

Value: 3.18%

Peer Median: -1.37%

#284 of 2508 Top 11.3% in <100M tier

308

Total Assets

balance_sheet

Value: $69.82M

Peer Median: $21.86M

#308 of 2508 Top 12.2% in <100M tier

379

Total Deposits

balance_sheet

Value: $55.43M

Peer Median: $18.77M

#379 of 2508 Top 15.1% in <100M tier

498

Members Per Employee (MPE)

engagement

Value: 454.333

Peer Median: 333.750

#498 of 2508 Top 19.8% in <100M tier

Top Weaknesses (2 metrics)

2293

Share Certificate Concentration (%)

balance_sheet

Value: 38.46%

Peer Median: 12.45%

#2293 of 2508 Bottom 8.6% in <100M tier

1982

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: 3.83%

#1982 of 2508 Bottom 21.0% in <100M tier