BlastPoint's Credit Union Scorecard
WORCESTER FIRE DEPT.
Charter #67683 · MA
WORCESTER FIRE DEPT. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Average Member Relationship (AMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 7.1% in tier
- - Loan-to-Share Ratio: Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,058
-0.4% YoY-1.1% QoQ
|
-618 |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$47.9M
+8.4% YoY+0.4% QoQ
|
+$17.7M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$10.2M
-6.3% YoY-5.9% QoQ
|
$-5.0M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$41.7M
+8.9% YoY+2.8% QoQ
|
+$16.0M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
76% |
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| ROA |
0.4%
+24.7% YoY-19.5% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
2.4%
+14.0% YoY+3.5% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio |
71.2%
-19.2% YoY-11.7% QoQ
|
-19.4% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
1.0%
+20.5% YoY+49.2% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
24.5%
-13.9% YoY-8.5% QoQ
|
-34.0% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.0% in tier |
| AMR |
$25,258
+5.9% YoY+2.0% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 8.2% in tier |
| CD Concentration |
19.1%
+14.2% YoY-0.4% QoQ
|
-5.2% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 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)