BlastPoint's Credit Union Scorecard
LOWELL FIREFIGHTERS
Charter #67767 · MA
LOWELL FIREFIGHTERS has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.56% below tier average
- - Efficiency ratio 13.69% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Net Charge-Off Rate: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,751
-2.6% YoY+0.1% QoQ
|
-864 |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$27.1M
-0.1% YoY+1.9% QoQ
|
$-3.0M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$15.6M
-6.0% YoY-3.2% QoQ
|
$-167K |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$23.8M
+0.7% YoY+2.6% QoQ
|
$-1.9M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.9%
-887.9% YoY+61.5% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.1% in tier |
| NIM |
3.2%
+19.8% YoY+2.7% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
96.2%
+17.7% YoY+9.9% QoQ
|
+13.7% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.1%
-94.8% YoY
|
-1.4 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
65.5%
-6.6% YoY-5.7% QoQ
|
+4.9% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$22,507
+0.6% YoY+0.1% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 13.2% in tier |
| CD Concentration |
30.1%
-6.7% YoY+1.1% QoQ
|
+5.7% | 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)