BlastPoint's Credit Union Scorecard
MADISON FIRE DEPARTMENT
Charter #66499 · WI
MADISON FIRE DEPARTMENT has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 2.2% in tier
- - Fee Income Per Member: Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
850
+0.6% YoY+0.2% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$5.5M
+5.1% YoY+2.8% QoQ
|
$-24.4M |
$29.9M
+1.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$4.0M
-4.1% YoY+3.6% QoQ
|
$-11.8M |
$15.8M
-2.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$4.4M
+4.7% YoY+2.9% QoQ
|
$-21.0M |
$25.5M
+0.4% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
1.0%
-0.9% YoY+0.5% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.1%
-0.4% YoY+2.5% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
68.6%
+10.4% YoY+0.6% QoQ
|
-12.8% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
90.4%
-8.4% YoY+0.7% QoQ
|
+29.1% |
61.2%
-3.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
Top 10.7% in tier |
| AMR |
$9,883
-0.2% YoY+3.0% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
55.3%
+9.9% YoY+4.4% QoQ
|
+30.8% |
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 (0)
Concerns (0)
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)