BlastPoint's Credit Union Scorecard

FIREFIGHTERS

Charter #66423 · WI

100M-500M

1024 CUs in 100M-500M nationally 27 in WI

FIREFIGHTERS has 7 strengths but faces 7 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 0.50% above tier average
+ Net Interest Margin 0.10% above tier average
+ Loan-to-Share Ratio: Top 2.1% in tier
+ Loan-to-Member Ratio (LMR): Top 2.5% in tier
+ Average Member Relationship (AMR): Top 4.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Members Per Employee (MPE): Bottom 0.3% in tier
- Share Certificate Concentration (%): Bottom 3.6% in tier
- Total Members: Bottom 3.8% in tier
- First Mortgage Concentration (%): Bottom 5.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 27 that size in Wisconsin.
Shares and deposits +5.1% year over year ($110M in shares and deposits).
Membership: 4,919 members, -1.6% vs a year ago.
Delinquency rate 0.57%.
Return on assets 1.36%.
Efficiency ratio 68.07% vs a 76.73% peer average.
Loan-to-share ratio 100.88% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	4,919 -1.6% YoY0% QoQ	-10.2K	15,168 -2.6% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	Bottom 3.7% in tier
Assets	$133.0M +6.1% YoY+1.7% QoQ	$-99.0M	$232.0M +0.7% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	21%
Loans	$111.3M +7.5% YoY+0.7% QoQ	$-34.9M	$146.3M +0.2% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	43%
Deposits	$110.4M +5.1% YoY+1.6% QoQ	$-90.4M	$200.7M +0.2% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +38.9% YoY+5.0% QoQ	+0.5%	0.9% +12.5% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	83%
NIM	3.8% +10.2% YoY+2.0% QoQ	+0.1%	3.7% +4.5% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	58%
Efficiency Ratio	68.1% -7.9% YoY-2.6% QoQ	-8.7%	76.7% -0.8% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	22%
Delinquency Rate	0.6% -9.6% YoY-3.2% QoQ	-0.3	0.9% +6.6% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	41%
Loan To Share	100.9% +2.3% YoY-0.8% QoQ	+29.3%	71.5% -0.3% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	Top 2.2% in tier
AMR	$45,065 +7.9% YoY+1.2% QoQ	+$20K	$25,107 +3.2% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	Top 4.3% in tier
CD Concentration	45.3% +3.9% YoY-3.1% QoQ	+20.8%	24.6%	21.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#69 of 262 • 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): 7.93%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#216 of 483 • 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): 7.93%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk

#30 of 224 • 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: 100.88%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.46%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Membership Headwinds

decline

#386 of 549 • 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): -1.56%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#476 of 549 • 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): -1.56%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 7.46%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.57%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.88%

Peer Median: 73.07%

#23 of 1024 Top 2.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,631

Peer Median: $9,434

#27 of 1024 Top 2.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $45,065

Peer Median: $23,006

#44 of 1024 Top 4.2% in 100M-500M tier

120

Net Worth Ratio

risk

Value: 16.12%

Peer Median: 11.71%

#120 of 1024 Top 11.6% in 100M-500M tier

166

AMR Growth Rate

growth

Value: 7.93%

Peer Median: 3.53%

#166 of 1024 Top 16.1% in 100M-500M tier

176

Return on Assets (ROA)

profitability

Value: 1.36%

Peer Median: 0.75%

#176 of 1024 Top 17.1% in 100M-500M tier

222

Efficiency Ratio

profitability

Value: 68.07%

Peer Median: 77.26%

#222 of 1024 Top 21.6% in 100M-500M tier

248

Fee Income Per Member

profitability

Value: $209.20

Peer Median: $159.88

#248 of 1024 Top 24.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1022

Members Per Employee (MPE)

engagement

Value: 149.061

Peer Median: 310.924

#1022 of 1024 Bottom 0.3% in 100M-500M tier

988

Share Certificate Concentration (%)

balance_sheet

Value: 45.34%

Peer Median: 23.39%

#988 of 1024 Bottom 3.6% in 100M-500M tier

986

Total Members

engagement

Value: 4,919

Peer Median: 13,128

#986 of 1024 Bottom 3.8% in 100M-500M tier

969

First Mortgage Concentration (%)

balance_sheet

Value: 61.45%

Peer Median: 29.92%

#969 of 1024 Bottom 5.5% in 100M-500M tier

848

Total Deposits

balance_sheet

Value: $110.35M

Peer Median: $170.77M

#848 of 1024 Bottom 17.3% in 100M-500M tier

809

Total Assets

balance_sheet

Value: $132.96M

Peer Median: $196.38M

#809 of 1024 Bottom 21.1% in 100M-500M tier