BlastPoint's Credit Union Scorecard
DES MOINES FIRE DEPARTMENT
Charter #64943 · IA
DES MOINES FIRE DEPARTMENT has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + 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 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 15.58% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
934
+0.6% YoY-0.1% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$3.4M
+0.5% YoY+1.2% QoQ
|
$-26.8M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.0% in tier |
| Loans |
$2.2M
+6.8% YoY-4.3% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$2.6M
+0.5% YoY+2.2% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.9% in tier |
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| ROA |
0.1%
-96.5% YoY-89.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
4.0%
-19.3% YoY-7.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
55% |
| Efficiency Ratio |
98.1%
+51.2% YoY+17.7% QoQ
|
+15.6% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
0.8%
-29.0% YoY
|
-0.8 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
84.1%
+6.3% YoY-6.4% QoQ
|
+23.5% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$5,112
+2.6% YoY-0.8% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 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)