BlastPoint's Credit Union Scorecard

FIREFIGHTERS

Charter #66423 · WI

1069 CUs in 100M-500M nationally 26 in WI

FIREFIGHTERS has 8 strengths but faces 9 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 18.3% in tier
+ Wallet Share Momentum: Top 36.5% in tier
+ ROA 0.49% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.4% in tier
+ Loan-to-Share Ratio: Top 2.7% in tier
+ Average Member Relationship (AMR): Top 4.0% in tier
+ Net Charge-Off Rate: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.8% in tier
- Credit Risk Growth: Bottom 33.4% in tier
- Credit Quality Pressure: Bottom 60.9% in tier
- Membership Headwinds: Bottom 99.3% in tier
- Stagnation Risk: Bottom 99.8% in tier
- Members Per Employee (MPE): Bottom 0.9% in tier
- Share Certificate Concentration (%): Bottom 2.3% in tier
- Total Members: Bottom 3.3% in tier
- First Mortgage Concentration (%): Bottom 5.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	4,947 -0.5% YoY-0.6% QoQ	-10.5K	15,437 -2.9% YoY	38,882 +6.1% YoY	33,374 +5.7% YoY	Bottom 3.2% in tier
Assets	$131.2M +7.1% YoY+1.6% QoQ	$-100.7M	$231.9M +1.3% YoY	$734.5M +12.6% YoY	$561.6M +9.7% YoY	21%
Loans	$109.7M +9.9% YoY-2.4% QoQ	$-37.6M	$147.3M -0.1% YoY	$568.1M +11.9% YoY	$397.0M +8.8% YoY	42%
Deposits	$109.8M +6.9% YoY+1.8% QoQ	$-91.0M	$200.8M +0.8% YoY	$617.8M +12.3% YoY	$477.3M +9.7% YoY	18%

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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	1.3% +42.0% YoY+16.6% QoQ	+0.5%	0.8% +18.2% YoY	0.9% +14.0% YoY	0.7% +15.9% YoY	82%
NIM	3.5% +16.9% YoY+1.4% QoQ	-0.1%	3.6% +6.7% YoY	3.7% +4.8% YoY	3.8% +5.1% YoY	44%
Efficiency Ratio	69.1% -9.4% YoY-3.8% QoQ	-7.9%	77.0% -3.1% YoY	75.8% -1.1% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	0.4% +70.2% YoY-6.1% QoQ	-0.5	0.9% +4.2% YoY	1.5% +86.3% YoY	1.3% -2.1% YoY	21%
Loan To Share	99.9% +2.8% YoY-4.1% QoQ	+27.7%	72.2% -1.1% YoY	80.0% -0.6% YoY	67.4% -1.7% YoY	Top 2.8% in tier
AMR	$44,383 +9.0% YoY+0.3% QoQ	+$20K	$24,676 +3.4% YoY	$23,366 +4.9% YoY	$19,687 +2.0% YoY	Top 4.1% in tier
CD Concentration	47.7% +13.0% YoY-0.1% QoQ	+23.2%	24.4%	21.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#50 of 268 • Top 18.3% 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): 8.96%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#188 of 513 • Top 36.5% in tier

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

Why This Signature

AMR Growth (YoY): 8.96%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Liquidity Strain

risk

#21 of 228 • Bottom 8.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.91%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.89%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#153 of 456 • Bottom 33.4% in tier

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

Why This Signature

Loan Growth (YoY): 9.89%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#430 of 705 • Bottom 60.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#550 of 554 • Bottom 99.3% in tier

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

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#553 of 554 • Bottom 99.8% 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): -0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 9.89%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.36%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,182

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 99.91%

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $44,383

Peer Median: -

#44 of 1069 Top 4.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#53 of 1069 Top 4.9% in 100M-500M tier

138

Net Worth Ratio

risk

Value: 15.65%

Peer Median: -

#138 of 1069 Top 12.8% in 100M-500M tier

150

AMR Growth Rate

growth

Value: 8.96%

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

172

Loan Growth Rate

growth

Value: 9.89%

Peer Median: -

#172 of 1069 Top 16.0% in 100M-500M tier

191

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: -

#191 of 1069 Top 17.8% in 100M-500M tier

221

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Median: -

#221 of 1069 Top 20.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1060

Members Per Employee (MPE)

engagement

Value: 164.900

Peer Median: -

#1060 of 1069 Bottom 0.9% in 100M-500M tier

1045

Share Certificate Concentration (%)

balance_sheet

Value: 47.67%

Peer Median: -

#1045 of 1069 Bottom 2.3% in 100M-500M tier

1035

Total Members

engagement

Value: 4,947

Peer Median: -

#1035 of 1069 Bottom 3.3% in 100M-500M tier

1009

First Mortgage Concentration (%)

balance_sheet

Value: 60.81%

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

881

Total Deposits

balance_sheet

Value: $109.83M

Peer Median: -

#881 of 1069 Bottom 17.7% in 100M-500M tier

842

Total Assets

balance_sheet

Value: $131.19M

Peer Median: -

#842 of 1069 Bottom 21.3% in 100M-500M tier