BlastPoint's Credit Union Scorecard

CHARLOTTE FIRE DEPARTMENT

Charter #63566 · NC

<100M

2508 CUs in <100M nationally 31 in NC

CHARLOTTE FIRE DEPARTMENT demonstrates 1 strength

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.78% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	3,016 +0.1% YoY+0.3% QoQ	+339	2,676 +1.6% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	68%
Assets	$54.5M +2.0% YoY+1.6% QoQ	+$24.4M	$30.2M +1.3% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	80%
Loans	$19.3M -7.9% YoY-4.7% QoQ	+$4.1M	$15.3M -2.0% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	70%
Deposits	$46.4M +0.2% YoY+1.7% QoQ	+$20.6M	$25.8M +0.7% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	80%

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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	0.9% +65.9% YoY-11.0% QoQ	+0.8%	0.1% -77.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	66%
NIM	3.6% +8.4% YoY-0.6% QoQ	-0.4%	4.0% +4.0% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	77.0% -9.6% YoY-1.1% QoQ	-13.6%	90.6% +6.5% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	39%
Delinquency Rate	1.2% +24.2% YoY-7.9% QoQ	-0.3	1.5% +3.8% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	68%
Loan To Share	41.7% -8.1% YoY-6.3% QoQ	-16.8%	58.5% -3.0% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	24%
AMR	$21,790 -2.5% YoY-0.5% QoQ	+$7K	$14,884 -1.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	84%
CD Concentration	27.9% +20.5% YoY+10.0% QoQ	+3.6%	24.3%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	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 (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

407

Average Member Relationship (AMR)

engagement

Value: $21,790

Peer Median: $13,926

#407 of 2508 Top 16.2% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

512

Total Assets

balance_sheet

Value: $54.55M

Peer Median: $21.86M

#512 of 2508 Top 20.4% in <100M tier

513

Total Deposits

balance_sheet

Value: $46.38M

Peer Median: $18.77M

#513 of 2508 Top 20.4% in <100M tier

Top Weaknesses (2 metrics)

1994

Share Certificate Concentration (%)

balance_sheet

Value: 27.92%

Peer Median: 12.45%

#1994 of 2508 Bottom 20.5% in <100M tier

1910

Loan-to-Share Ratio

balance_sheet

Value: 41.69%

Peer Median: 58.72%

#1910 of 2508 Bottom 23.9% in <100M tier