BlastPoint's Credit Union Scorecard

FIREFIGHTERS

Charter #66423 · WI

100M-500M

1070 CUs in 100M-500M nationally 26 in WI

FIREFIGHTERS has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.57% above tier average
+ Net Interest Margin 0.08% above tier average
+ Loan-to-Share Ratio: Top 1.3% in tier
+ Loan-to-Member Ratio (LMR): Top 2.1% in tier
+ Average Member Relationship (AMR): Top 4.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Members Per Employee (MPE): Bottom 0.8% in tier
- Share Certificate Concentration (%): Bottom 3.0% in tier
- Total Members: Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	4,919 -1.1% YoY-0.6% QoQ	-10.2K	15,145 -2.5% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Bottom 3.5% in tier
Assets	$130.7M +5.5% YoY-0.4% QoQ	$-101.0M	$231.7M +0.8% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	20%
Loans	$110.5M +9.6% YoY+0.7% QoQ	$-33.7M	$144.1M +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	43%
Deposits	$108.6M +5.0% YoY-1.1% QoQ	$-92.5M	$201.1M +0.4% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% +42.8% YoY+3.9% QoQ	+0.6%	0.7% +5.1% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	84%
NIM	3.7% +10.1% YoY+5.7% QoQ	+0.1%	3.6% +4.6% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	69.9% -8.5% YoY+1.0% QoQ	-8.2%	78.0% -1.7% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.6% +110.7% YoY+61.6% QoQ	-0.2	0.8% +7.1% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	48%
Loan To Share	101.7% +4.4% YoY+1.8% QoQ	+31.3%	70.4% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 1.4% in tier
AMR	$44,542 +8.5% YoY+0.4% QoQ	+$20K	$24,918 +2.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Top 4.4% in tier
CD Concentration	46.8% +8.5% YoY-1.8% QoQ	+22.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#55 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.46%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#181 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.46%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk

#14 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 101.74%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.63%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Credit Risk Growth

risk

#75 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.63%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#228 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Membership Headwinds

decline

#485 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#534 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.63%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.58%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 101.74%

Peer Median: 71.88%

#15 of 1070 Top 1.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,463

Peer Median: $9,356

#23 of 1070 Top 2.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $44,542

Peer Median: $22,931

#47 of 1070 Top 4.3% in 100M-500M tier

117

Net Worth Ratio

risk

Value: 16.04%

Peer Median: 11.45%

#117 of 1070 Top 10.8% in 100M-500M tier

144

AMR Growth Rate

growth

Value: 8.46%

Peer Median: 3.46%

#144 of 1070 Top 13.4% in 100M-500M tier

177

Return on Assets (ROA)

profitability

Value: 1.30%

Peer Median: 0.69%

#177 of 1070 Top 16.4% in 100M-500M tier

196

Loan Growth Rate

growth

Value: 9.63%

Peer Median: 2.93%

#196 of 1070 Top 18.2% in 100M-500M tier

198

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.35%

#198 of 1070 Top 18.4% in 100M-500M tier

261

Efficiency Ratio

profitability

Value: 69.86%

Peer Median: 78.68%

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1062

Members Per Employee (MPE)

engagement

Value: 163.967

Peer Median: 309.176

#1062 of 1070 Bottom 0.8% in 100M-500M tier

1039

Share Certificate Concentration (%)

balance_sheet

Value: 46.79%

Peer Median: 23.10%

#1039 of 1070 Bottom 3.0% in 100M-500M tier

1033

Total Members

engagement

Value: 4,919

Peer Median: 13,200

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1008

First Mortgage Concentration (%)

balance_sheet

Value: 60.19%

Peer Median: 29.47%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

896

Total Deposits

balance_sheet

Value: $108.61M

Peer Median: $171.29M

#896 of 1070 Bottom 16.4% in 100M-500M tier

853

Total Assets

balance_sheet

Value: $130.69M

Peer Median: $196.57M

#853 of 1070 Bottom 20.4% in 100M-500M tier