BlastPoint's Credit Union Scorecard

BOISE FIRE DEPARTMENT

Charter #82504 · ID

<100M

2508 CUs in <100M nationally 9 in ID

BOISE FIRE DEPARTMENT has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.10% above tier average
+ Loan-to-Share Ratio: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.82% above tier average
- Net Interest Margin (NIM): Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	988 -0.9% YoY-1.9% QoQ	-1.7K	2,676 +1.6% YoY	55,090 +6.4% YoY	33,913 +5.7% YoY	28%
Assets	$8.7M -2.1% YoY-0.4% QoQ	$-21.5M	$30.2M +1.3% YoY	$983.6M +10.6% YoY	$578.3M +9.0% YoY	29%
Loans	$7.3M -8.0% YoY-3.0% QoQ	$-8.0M	$15.3M -2.0% YoY	$811.6M +10.9% YoY	$402.4M +8.7% YoY	43%
Deposits	$7.3M -2.9% YoY-1.1% QoQ	$-18.5M	$25.8M +0.7% YoY	$856.3M +10.5% YoY	$494.3M +9.1% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -42.8% YoY-48.7% QoQ	+0.1%	0.1% -77.6% YoY	0.7% -6.6% YoY	0.4% -39.2% YoY	32%
NIM	2.6% +13.4% YoY-3.2% QoQ	-1.4%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	Bottom 9.8% in tier
Efficiency Ratio	71.9% -5.6% YoY+6.0% QoQ	-18.8%	90.6% +6.5% YoY	76.8% +3.1% YoY	84.6% +2.8% YoY	29%
Delinquency Rate	2.3% +84.5% YoY+44.1% QoQ	+0.8	1.5% +3.8% YoY	0.9% -16.7% YoY	1.2% +3.4% YoY	84%
Loan To Share	100.3% -5.2% YoY-1.9% QoQ	+41.8%	58.5% -3.0% YoY	83.5% -0.7% YoY	65.6% -1.4% YoY	Top 3.1% in tier
AMR	$14,703 -4.7% YoY-0.2% QoQ	$-181	$14,884 -1.7% YoY	$24,684 +3.7% YoY	$19,920 +1.6% YoY	54%
CD Concentration	0.0%	-24.3%	24.3%	27.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.33%

Peer Median: 58.72%

#76 of 2508 Top 3.0% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

546

Loan-to-Member Ratio (LMR)

engagement

Value: $7,364

Peer Median: $4,923

#546 of 2508 Top 21.7% in <100M tier

Top Weaknesses (4 metrics)

2263

Net Interest Margin (NIM)

profitability

Value: 2.63%

Peer Median: 3.83%

#2263 of 2508 Bottom 9.8% in <100M tier

2223

Fee Income Per Member

profitability

Value: $2.43

Peer Median: $60.42

#2223 of 2508 Bottom 11.4% in <100M tier

2109

Total Delinquency Rate (60+ days)

risk

Value: 2.33%

Peer Median: 0.65%

#2109 of 2508 Bottom 15.9% in <100M tier

2057

AMR Growth Rate

growth

Value: -4.69%

Peer Median: 1.27%

#2057 of 2508 Bottom 18.0% in <100M tier