NEW HAVEN FIREFIGHTERS
Charter #65862 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
NEW HAVEN FIREFIGHTERS has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% 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 9.4% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 22.62% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
720
-2.6% YoY+0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 20.6% in tier |
| Assets |
$5.9M
+0.4% YoY-0.3% QoQ
|
$-24.0M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 22.3% in tier |
| Loans |
$2.1M
-6.2% YoY+0.9% QoQ
|
$-13.7M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 18.2% in tier |
| Deposits |
$4.4M
-1.0% YoY-0.8% QoQ
|
$-21.1M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 20.7% in tier |
| ROA |
-0.2%
+202.9% YoY+9.8% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.9% in tier |
| NIM |
4.2%
-1.8% YoY+1.2% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
61st in tier |
| Efficiency Ratio |
104.0%
+2.7% YoY+0.3% QoQ
|
+22.6% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
0.5%
-41.7% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
48.3%
-5.3% YoY+1.7% QoQ
|
-13.0% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$8,987
-0.2% YoY-0.4% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 23.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% 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 (5 metrics)
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
248
Net Worth Ratio
risk
Value:
26.17%
Peer Avg: 16.43%
#248 of 2596
Top 9.5% in <100M tier
Top Weaknesses (10 metrics)
2365
Efficiency Ratio
profitability
Value:
104.01%
Peer Avg: 81.39%
#2365 of 2596
Bottom 8.9% in <100M tier
2260
Return on Assets (ROA)
profitability
Value:
-0.17%
Peer Avg: 0.68%
#2260 of 2596
Bottom 13.0% in <100M tier
2147
Fee Income Per Member
profitability
Value:
$8.08
Peer Avg: $182.96
#2147 of 2596
Bottom 17.3% in <100M tier
2123
Total Loans
balance_sheet
Value:
$2.11M
Peer Avg: $15.77M
#2123 of 2596
Bottom 18.3% in <100M tier
2061
Total Members
engagement
Value:
720
Peer Avg: 2,626
#2061 of 2596
Bottom 20.6% in <100M tier
2059
Total Deposits
balance_sheet
Value:
$4.36M
Peer Avg: $25.45M
#2059 of 2596
Bottom 20.7% in <100M tier
2017
Total Assets
balance_sheet
Value:
$5.86M
Peer Avg: $29.86M
#2017 of 2596
Bottom 22.3% in <100M tier
2007
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,926
Peer Avg: $5,488
#2007 of 2596
Bottom 22.7% in <100M tier
1982
Members Per Employee (MPE)
engagement
Value:
240.000
Peer Avg: 365.701
#1982 of 2596
Bottom 23.7% in <100M tier
1978
Average Member Relationship (AMR)
engagement
Value:
$8,987
Peer Avg: $14,627
#1978 of 2596
Bottom 23.8% in <100M tier