BlastPoint's Credit Union Scorecard
FIREFIGHTERS
Charter #67079 · UT
FIREFIGHTERS has 6 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 3.6% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
- + Asset Growth Rate: Top 5.8% in tier
- + Deposit Growth Rate: Top 7.4% in tier
- + Total Loans: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 7.24% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,463
-0.1% YoY+0.3% QoQ
|
+847 |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$69.0M
+12.0% YoY+2.5% QoQ
|
+$38.9M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Top 13.0% in tier |
| Loans |
$44.6M
-0.2% YoY-0.8% QoQ
|
+$28.8M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Top 7.9% in tier |
| Deposits |
$60.9M
+11.7% YoY+1.4% QoQ
|
+$35.2M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Top 11.9% in tier |
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| ROA |
0.3%
-80.1% YoY-21.4% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
2.7%
+0.4% YoY+0.6% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
89.8%
+27.9% YoY+3.3% QoQ
|
+7.2% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.7%
+13.7% YoY+19.5% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
73.3%
-10.6% YoY-2.2% QoQ
|
+12.7% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$30,450
+6.5% YoY+0.2% QoQ
|
+$16K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 4.0% in tier |
| CD Concentration |
30.1%
+14.9% YoY+3.1% QoQ
|
+5.7% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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)