BlastPoint's Credit Union Scorecard
HAVERHILL FIRE DEPARTMENT
Charter #67710 · MA
HAVERHILL FIRE DEPARTMENT has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
- + Loan-to-Member Ratio (LMR): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 5.53% above tier (higher cost structure)
- - Member decline: -3.6% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - First Mortgage Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,193
-3.6% YoY-0.7% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$26.9M
+2.7% YoY+3.7% QoQ
|
$-3.3M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$16.0M
-6.0% YoY-1.9% QoQ
|
+$238K |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$24.2M
+2.4% YoY+4.1% QoQ
|
$-1.4M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.4%
+152.2% YoY-13.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
33% |
| NIM |
2.7%
+14.1% YoY-1.6% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio |
88.1%
-7.0% YoY+2.0% QoQ
|
+5.5% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
66.0%
-8.2% YoY-5.7% QoQ
|
+5.4% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$33,733
+2.6% YoY+2.3% QoQ
|
+$19K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 2.3% in tier |
| CD Concentration |
36.4%
+4.5% YoY+0.1% QoQ
|
+11.9% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)