BlastPoint's Credit Union Scorecard
BOSTON FIREFIGHTERS
Charter #67837 · MA
BOSTON FIREFIGHTERS has 12 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 40.1% in tier
- + Organic Growth Leader: Top 69.4% in tier
- + Relationship Depth Leader: Top 86.9% in tier
- + ROA 0.32% 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 1.1% in tier
- + Total Loans: Top 1.5% in tier
- + Loan-to-Share Ratio: Top 4.8% in tier
- + Total Assets: Top 5.7% in tier
- + Total Deposits: Top 7.1% in tier
- + Net Charge-Off Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 46.3% in tier
- - First Mortgage Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,933
+1.6% YoY-0.5% QoQ
|
-3.5K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$439.8M
+4.6% YoY+0.2% QoQ
|
+$208.0M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Top 5.8% in tier |
| Loans |
$357.0M
+3.7% YoY+1.0% QoQ
|
+$209.7M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Top 1.6% in tier |
| Deposits |
$368.7M
+4.1% YoY+0.0% QoQ
|
+$167.9M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 7.2% in tier |
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| ROA |
1.1%
+28.9% YoY+7.1% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
73% |
| NIM |
3.3%
+2.3% YoY+0.0% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
69.5%
-8.4% YoY-1.7% QoQ
|
-7.5% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.8%
-26.1% YoY+24.6% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
96.8%
-0.4% YoY+1.0% QoQ
|
+24.6% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 4.9% in tier |
| AMR |
$60,819
+2.2% YoY+1.0% QoQ
|
+$36K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 1.2% in tier |
| CD Concentration |
33.6%
+12.3% YoY+2.7% QoQ
|
+9.2% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 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 (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)