BlastPoint's Credit Union Scorecard
FIREFIGHTERS
Charter #67079 · UT
FIREFIGHTERS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Average Member Relationship (AMR): Top 3.8% in tier
- + Total Loans: Top 7.6% in tier
- + Asset Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 5.52% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,454
-0.3% YoY-0.1% QoQ
|
+828 |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$67.3M
+9.9% YoY+1.0% QoQ
|
+$37.5M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Top 13.2% in tier |
| Loans |
$44.9M
-1.4% YoY+0.4% QoQ
|
+$29.2M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Top 7.6% in tier |
| Deposits |
$60.0M
+9.5% YoY+1.0% QoQ
|
+$34.5M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Top 11.9% in tier |
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| ROA |
0.4%
-32.3% YoY+9.4% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
2.7%
-0.9% YoY+1.7% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio |
86.9%
+4.6% YoY-2.3% QoQ
|
+5.5% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.6%
+55.0% YoY-14.9% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
74.9%
-9.9% YoY-0.6% QoQ
|
+13.7% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$30,382
+4.9% YoY+0.8% QoQ
|
+$16K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Top 3.9% in tier |
| CD Concentration |
29.2%
+15.4% YoY+0.2% QoQ
|
+4.8% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% 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)