BlastPoint's Credit Union Scorecard
FIREFIGHTERS
Charter #66423 · WI
FIREFIGHTERS has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 23.8% in tier
- + Wallet Share Momentum: Top 49.6% in tier
- + Credit Quality Leader: Top 99.7% in tier
- + ROA 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
- + Loan-to-Member Ratio (LMR): Top 2.3% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
- + Net Charge-Off Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.9% in tier
- - Credit Risk Growth: Bottom 5.1% in tier
- - Credit Quality Pressure: Bottom 13.7% in tier
- - Members Per Employee (MPE): Bottom 0.6% in tier
- - Share Certificate Concentration (%): Bottom 2.7% in tier
- - Total Members: Bottom 3.2% in tier
- - First Mortgage Concentration (%): Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,979
-0.4% YoY-0.4% QoQ
|
-10.6K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 3.2% in tier |
| Assets |
$129.1M
+3.1% YoY+3.0% QoQ
|
$-102.2M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$112.5M
+11.9% YoY+8.6% QoQ
|
$-35.3M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$107.9M
+2.4% YoY+2.8% QoQ
|
$-92.4M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
1.1%
+45.1% YoY+9.3% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
3.5%
+20.7% YoY+0.9% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
71.9%
-8.9% YoY-2.8% QoQ
|
-5.4% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.4%
+130.4% YoY-38.5% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
104.2%
+9.2% YoY+5.7% QoQ
|
+31.5% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 1.8% in tier |
| AMR |
$44,268
+7.4% YoY+6.0% QoQ
|
+$20K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 4.0% in tier |
| CD Concentration |
47.7%
+9.4% YoY+9.3% QoQ
|
+23.3% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)