BlastPoint's Credit Union Scorecard

TOPEKA FIREMEN'S

Charter #63042 · KS

2556 CUs in <100M nationally 44 in KS

TOPEKA FIREMEN'S has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + 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
  • + AMR Growth Rate: Top 4.3% in tier
  • + Net Charge-Off Rate: Top 4.6% in tier
  • + Deposit Growth Rate: Top 6.3% in tier
  • + Asset Growth Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.04% below tier average
  • - Member decline: -5.9% YoY
  • - Share Certificate Concentration (%): Bottom 0.8% in tier
  • - Net Interest Margin (NIM): Bottom 3.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 878
-5.9% YoY-0.9% QoQ
-1.7K 2,615
-1.9% YoY
12,209
-35.0% YoY
33,374
+5.7% YoY
25%
Assets $11.5M
+10.2% YoY+2.1% QoQ
$-18.6M $30.1M
+2.1% YoY
$164.3M
-37.3% YoY
$561.6M
+9.7% YoY
35%
Loans $5.6M
+4.5% YoY+0.5% QoQ
$-10.1M $15.8M
-1.3% YoY
$120.8M
-36.2% YoY
$397.0M
+8.8% YoY
37%
Deposits $8.5M
+12.3% YoY+2.6% QoQ
$-17.2M $25.7M
+1.4% YoY
$139.5M
-36.6% YoY
$477.3M
+9.7% YoY
33%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.6%
-7.1% YoY-56.1% QoQ
-0.0% 0.6%
+10.8% YoY
0.6%
+32.6% YoY
0.7%
+15.9% YoY
44%
NIM 2.0%
-7.9% YoY-25.1% QoQ
-2.0% 4.0%
+4.0% YoY
4.0%
+7.1% YoY
3.8%
+5.1% YoY
Bottom 3.6% in tier
Efficiency Ratio 71.4%
+0.1% YoY+40.2% QoQ
-11.2% 82.6%
-2.3% YoY
78.8%
-6.8% YoY
79.7%
-3.3% YoY
30%
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
-1.6 1.6%
-3.1% YoY
1.5%
-6.0% YoY
1.3%
-2.1% YoY
Bottom 0.0% in tier
Loan To Share 66.2%
-7.0% YoY-2.0% QoQ
+5.6% 60.6%
-3.1% YoY
71.6%
-2.2% YoY
67.4%
-1.7% YoY
58%
AMR $16,096
+15.9% YoY+2.7% QoQ
+$1K $14,783
-1.4% YoY
$16,403
+0.2% YoY
$19,687
+2.0% YoY
62%
CD Concentration 64.6%
-1.2% YoY+4.9% QoQ
+40.2% 24.4% 24.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 12.2% 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)

Comparing against 2556 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
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
110
AMR Growth Rate
growth
Value: 15.86%
Peer Median: -
#110 of 2556 Top 4.3% in <100M tier
118
Net Charge-Off Rate
risk
Value: -0.04%
Peer Median: -
#118 of 2556 Top 4.6% in <100M tier
163
Deposit Growth Rate
growth
Value: 12.28%
Peer Median: -
#163 of 2556 Top 6.3% in <100M tier
221
Asset Growth Rate
growth
Value: 10.21%
Peer Median: -
#221 of 2556 Top 8.6% in <100M tier
266
Net Worth Ratio
risk
Value: 25.62%
Peer Median: -
#266 of 2556 Top 10.4% in <100M tier
603
Loan Growth Rate
growth
Value: 4.45%
Peer Median: -
#603 of 2556 Top 23.6% in <100M tier

Top Weaknesses (5 metrics)

2536
Share Certificate Concentration (%)
balance_sheet
Value: 64.59%
Peer Median: -
#2536 of 2556 Bottom 0.8% in <100M tier
2463
Net Interest Margin (NIM)
profitability
Value: 1.98%
Peer Median: -
#2463 of 2556 Bottom 3.7% in <100M tier
2226
Member Growth Rate
growth
Value: -5.89%
Peer Median: -
#2226 of 2556 Bottom 12.9% in <100M tier
2173
Fee Income Per Member
profitability
Value: $6.41
Peer Median: -
#2173 of 2556 Bottom 15.0% in <100M tier
2067
Members Per Employee (MPE)
engagement
Value: 219.500
Peer Median: -
#2067 of 2556 Bottom 19.2% in <100M tier
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