BlastPoint's Credit Union Scorecard
BOSTON FIREFIGHTERS
Charter #67837 · MA
BOSTON FIREFIGHTERS has 11 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.0% in tier
- + Organic Growth Leader: Top 21.6% in tier
- + Relationship Depth Leader: Top 77.0% in tier
- + ROA 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.8% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Total Loans: Top 1.7% in tier
- + Total Assets: Top 5.5% in tier
- + Loan-to-Share Ratio: Top 6.8% in tier
- + Total Deposits: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.4% in tier
- - Credit Risk Growth: Bottom 27.9% in tier
- - Credit Quality Pressure: Bottom 28.3% in tier
- - First Mortgage Concentration (%): Bottom 1.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,998
+1.7% YoY+0.9% QoQ
|
-3.6K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$438.9M
+5.3% YoY+1.8% QoQ
|
+$207.6M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Top 5.6% in tier |
| Loans |
$353.5M
+3.8% YoY+2.0% QoQ
|
+$205.7M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Top 1.8% in tier |
| Deposits |
$368.7M
+5.1% YoY+1.7% QoQ
|
+$168.4M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Top 7.1% in tier |
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| ROA |
1.0%
+30.5% YoY+3.5% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.3%
+2.2% YoY+0.9% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
70.7%
-8.4% YoY-0.7% QoQ
|
-6.6% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.7%
+2.0% YoY-22.2% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
95.9%
-1.3% YoY+0.4% QoQ
|
+23.2% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 6.9% in tier |
| AMR |
$60,198
+2.7% YoY+0.9% QoQ
|
+$36K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 1.3% in tier |
| CD Concentration |
32.8%
+12.8% YoY+4.2% QoQ
|
+8.3% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)