DES MOINES FIRE DEPARTMENT
Charter #64943 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
DES MOINES FIRE DEPARTMENT has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 0.42% above tier average
- + 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
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.99% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
935
+0.3% YoY+2.2% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
27th in tier |
| Assets |
$3.4M
-1.2% YoY-1.6% QoQ
|
$-26.5M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.1% in tier |
| Loans |
$2.3M
+10.2% YoY+2.1% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.4% in tier |
| Deposits |
$2.5M
-1.4% YoY-2.1% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.8% in tier |
| ROA |
0.7%
-77.1% YoY-28.1% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
48th in tier |
| NIM |
4.4%
-19.4% YoY-0.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
69th in tier |
| Efficiency Ratio |
83.4%
+56.2% YoY+8.4% QoQ
|
+2.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
62nd in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
89.8%
+11.8% YoY+4.3% QoQ
|
+28.6% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 11.1% in tier |
| AMR |
$5,151
+3.5% YoY-2.3% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
269
Loan Growth Rate
growth
Value:
10.23%
Peer Avg: 59.01%
#269 of 2596
Top 10.3% in <100M tier
283
Loan-to-Share Ratio
balance_sheet
Value:
89.85%
Peer Avg: 61.23%
#283 of 2596
Top 10.9% in <100M tier
312
Net Worth Ratio
risk
Value:
24.31%
Peer Avg: 16.43%
#312 of 2596
Top 12.0% in <100M tier
Top Weaknesses (6 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2345
Average Member Relationship (AMR)
engagement
Value:
$5,151
Peer Avg: $14,627
#2345 of 2596
Bottom 9.7% in <100M tier
2238
Total Deposits
balance_sheet
Value:
$2.54M
Peer Avg: $25.45M
#2238 of 2596
Bottom 13.8% in <100M tier
2229
Total Assets
balance_sheet
Value:
$3.35M
Peer Avg: $29.86M
#2229 of 2596
Bottom 14.2% in <100M tier
2145
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,438
Peer Avg: $5,488
#2145 of 2596
Bottom 17.4% in <100M tier
2093
Total Loans
balance_sheet
Value:
$2.28M
Peer Avg: $15.77M
#2093 of 2596
Bottom 19.4% in <100M tier