BlastPoint's Credit Union Scorecard
FIREMAN'S
Charter #64594 · AL
FIREMAN'S has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 10.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 2.8% in tier
- + Net Worth Ratio: Top 3.2% in tier
- + Efficiency Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Net Interest Margin (NIM): Bottom 0.9% in tier
- - Fee Income Per Member: Bottom 4.6% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
956
+10.0% YoY+1.0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$7.2M
+3.0% YoY+2.1% QoQ
|
$-23.0M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$3.5M
+5.3% YoY-2.2% QoQ
|
$-12.2M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$4.5M
+2.5% YoY+2.9% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.4%
-63.9% YoY-39.7% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
1.0%
-68.9% YoY-23.3% QoQ
|
-2.9% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio |
52.8%
-15.6% YoY+12.9% QoQ
|
-29.8% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
0.4%
-88.9% YoY-83.4% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
78.4%
+2.8% YoY-5.0% QoQ
|
+17.7% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$8,434
-5.7% YoY-0.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 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)