BlastPoint's Credit Union Scorecard

DES MOINES FIRE DEPARTMENT

Charter #64943 · IA

<100M
2508 CUs in <100M nationally 37 in IA

DES MOINES FIRE DEPARTMENT has 3 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.42% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

  • - Fee Income Per Member: Bottom 4.7% in tier
  • - Average Member Relationship (AMR): Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 940
+2.3% YoY+0.6% QoQ
-1.7K 2,676
+1.6% YoY
24,966
+0.1% YoY
33,913
+5.7% YoY
27%
Assets $3.4M
-0.7% YoY-0.4% QoQ
$-26.8M $30.2M
+1.3% YoY
$536.2M
+6.4% YoY
$578.3M
+9.0% YoY
Bottom 14.1% in tier
Loans $2.0M
+2.1% YoY-7.5% QoQ
$-13.3M $15.3M
-2.0% YoY
$422.1M
+5.8% YoY
$402.4M
+8.7% YoY
18%
Deposits $2.6M
-0.8% YoY-0.7% QoQ
$-23.2M $25.8M
+0.7% YoY
$445.2M
+6.5% YoY
$494.3M
+9.1% YoY
Bottom 13.6% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.5%
-39.5% YoY+541.5% QoQ
+0.3% 0.1%
-77.6% YoY
0.9%
+9.6% YoY
0.4%
-39.2% YoY
44%
NIM 4.4%
+2.7% YoY+10.1% QoQ
+0.4% 4.0%
+4.0% YoY
3.8%
+3.9% YoY
3.8%
+4.1% YoY
74%
Efficiency Ratio 89.2%
+9.3% YoY-9.1% QoQ
-1.5% 90.6%
+6.5% YoY
75.3%
-1.6% YoY
84.6%
+2.8% YoY
67%
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
-1.5 1.5%
+3.8% YoY
1.1%
-19.0% YoY
1.2%
+3.4% YoY
Top 0.1% in tier
Loan To Share 78.4%
+3.0% YoY-6.8% QoQ
+19.9% 58.5%
-3.0% YoY
74.3%
-0.3% YoY
65.6%
-1.4% YoY
80%
AMR $4,885
-1.8% YoY-4.4% QoQ
$-10K $14,884
-1.7% YoY
$21,379
+4.7% YoY
$19,920
+1.6% YoY
Bottom 8.8% in tier
CD Concentration 0.0% -24.3% 24.3% 21.8% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.2% 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)

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
320
Net Worth Ratio
risk
Value: 23.78%
Peer Median: 14.28%
#320 of 2508 Top 12.7% in <100M tier
380
Member Growth Rate
growth
Value: 2.29%
Peer Median: -1.37%
#380 of 2508 Top 15.1% in <100M tier
501
Loan-to-Share Ratio
balance_sheet
Value: 78.40%
Peer Median: 58.72%
#501 of 2508 Top 19.9% 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

Top Weaknesses (6 metrics)

2390
Fee Income Per Member
profitability
Value: $0.00
Peer Median: $60.42
#2390 of 2508 Bottom 4.7% in <100M tier
2288
Average Member Relationship (AMR)
engagement
Value: $4,885
Peer Median: $13,926
#2288 of 2508 Bottom 8.8% in <100M tier
2166
Total Deposits
balance_sheet
Value: $2.57M
Peer Median: $18.77M
#2166 of 2508 Bottom 13.7% in <100M tier
2155
Total Assets
balance_sheet
Value: $3.38M
Peer Median: $21.86M
#2155 of 2508 Bottom 14.1% in <100M tier
2127
Loan-to-Member Ratio (LMR)
engagement
Value: $2,147
Peer Median: $4,923
#2127 of 2508 Bottom 15.2% in <100M tier
2060
Total Loans
balance_sheet
Value: $2.02M
Peer Median: $9.48M
#2060 of 2508 Bottom 17.9% in <100M tier
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