BlastPoint's Credit Union Scorecard
JOLIET FIREFIGHTERS
Charter #65555 · IL
JOLIET FIREFIGHTERS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 4.1% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
575
+1.8% YoY-0.9% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$7.9M
+6.8% YoY-1.4% QoQ
|
$-22.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$5.6M
+8.8% YoY+1.1% QoQ
|
$-10.2M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$7.0M
+7.3% YoY-1.7% QoQ
|
$-18.6M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
1.0%
-4.0% YoY-29.4% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
66% |
| NIM |
2.9%
-11.0% YoY-12.2% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
65.6%
-3.6% YoY+14.7% QoQ
|
-17.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
79.4%
+1.5% YoY+2.9% QoQ
|
+18.8% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$21,959
+6.1% YoY+0.4% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 14.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)