BlastPoint's Credit Union Scorecard
SPRINGFIELD FIREFIGHTERS
Charter #65256 · IL
2596 CUs in <100M nationally
143 in IL
SPRINGFIELD FIREFIGHTERS has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.50% above tier average
- + Net Interest Margin 2.27% 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
- + Efficiency Ratio: Top 1.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Loan Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Loans: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
369
+1.1% YoY+0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 10.2% in tier |
| Assets |
$3.3M
-1.0% YoY+1.0% QoQ
|
$-26.6M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.8% in tier |
| Loans |
$795,248
+10.7% YoY+3.6% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.9% in tier |
| Deposits |
$2.6M
-2.2% YoY-0.1% QoQ
|
$-22.8M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.2% in tier |
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Tier 1
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| ROA |
4.2%
+33.4% YoY-0.2% QoQ
|
+3.5% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Top 1.0% in tier |
| NIM |
6.2%
+25.5% YoY-4.8% QoQ
|
+2.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
32.5%
-10.9% YoY-8.8% QoQ
|
-48.8% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
30.0%
+13.2% YoY+3.7% QoQ
|
-31.2% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.2% in tier |
| AMR |
$9,335
-0.6% YoY+0.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
27
Return on Assets (ROA)
profitability
Value:
4.19%
Peer Avg: -
#27 of 2596
Top 1.0% in <100M tier
34
Efficiency Ratio
profitability
Value:
32.55%
Peer Avg: -
#34 of 2596
Top 1.3% in <100M tier
88
Net Interest Margin (NIM)
profitability
Value:
6.21%
Peer Avg: -
#88 of 2596
Top 3.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
255
Loan Growth Rate
growth
Value:
10.73%
Peer Avg: -
#255 of 2596
Top 9.8% in <100M tier
596
Member Growth Rate
growth
Value:
1.10%
Peer Avg: -
#596 of 2596
Top 22.9% in <100M tier
Top Weaknesses (7 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2340
Total Loans
balance_sheet
Value:
$795,248
Peer Avg: -
#2340 of 2596
Bottom 9.9% in <100M tier
2331
Total Members
engagement
Value:
369
Peer Avg: -
#2331 of 2596
Bottom 10.2% in <100M tier
2328
Loan-to-Share Ratio
balance_sheet
Value:
30.02%
Peer Avg: -
#2328 of 2596
Bottom 10.4% in <100M tier
2237
Total Assets
balance_sheet
Value:
$3.25M
Peer Avg: -
#2237 of 2596
Bottom 13.9% in <100M tier
2227
Total Deposits
balance_sheet
Value:
$2.65M
Peer Avg: -
#2227 of 2596
Bottom 14.3% in <100M tier
2220
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,155
Peer Avg: -
#2220 of 2596
Bottom 14.5% in <100M tier