BlastPoint's Credit Union Scorecard
JOLIET FIREFIGHTERS
Charter #65555 · IL
JOLIET FIREFIGHTERS has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% 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
- + Loan-to-Member Ratio (LMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 4.1% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
- - Fee Income Per Member: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
580
+1.9% YoY+1.0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$8.0M
+5.5% YoY+7.1% QoQ
|
$-21.8M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$5.5M
+4.8% YoY+4.3% QoQ
|
$-10.2M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$7.2M
+5.5% YoY+7.3% QoQ
|
$-18.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
1.4%
+51.8% YoY+24.3% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.4%
+7.8% YoY+7.2% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
57.2%
-17.8% YoY-9.3% QoQ
|
-24.2% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate |
0.0%
-98.8% YoY-7.5% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
77.2%
-0.7% YoY-2.8% QoQ
|
+15.9% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$21,878
+3.2% YoY+4.9% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.5% in tier |
| 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)
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)