BlastPoint's Credit Union Scorecard
BOISE FIRE DEPARTMENT
Charter #82504 · ID
BOISE FIRE DEPARTMENT has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Fee Income Per Member: Bottom 8.4% in tier
- - Net Interest Margin (NIM): Bottom 9.4% in tier
- - Net Charge-Off Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,012
+2.2% YoY+1.3% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$8.9M
+0.4% YoY+0.1% QoQ
|
$-20.9M |
$29.9M
+1.1% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$7.6M
-1.8% YoY-3.6% QoQ
|
$-8.2M |
$15.8M
-2.4% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
43% |
| Deposits |
$7.5M
-0.6% YoY-0.8% QoQ
|
$-18.0M |
$25.5M
+0.4% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
0.5%
-25.8% YoY-19.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
2.6%
-2.2% YoY+0.5% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio |
67.8%
-0.8% YoY-2.3% QoQ
|
-13.6% |
81.4%
-2.4% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.3%
-6.6% YoY+39.7% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
101.7%
-1.2% YoY-2.8% QoQ
|
+40.4% |
61.2%
-3.0% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 3.5% in tier |
| AMR |
$14,870
-3.4% YoY-3.5% QoQ
|
+$243 |
$14,627
-2.7% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)