BlastPoint's Credit Union Scorecard
HAMMOND FIREFIGHTERS ASSN.
Charter #82762 · IN
2596 CUs in <100M nationally
82 in IN
HAMMOND FIREFIGHTERS ASSN. has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.42% above tier average
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Loans: Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Deposits: Bottom 7.3% in tier
- - Average Member Relationship (AMR): Bottom 7.4% in tier
- - Total Assets: Bottom 7.4% in tier
- - Total Members: Bottom 7.7% in tier
- - Loan-to-Share Ratio: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
287
+1.1% YoY-0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 7.6% in tier |
| Assets |
$1.4M
+4.3% YoY+3.2% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.4% in tier |
| Loans |
$273,414
-14.1% YoY-5.2% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.9% in tier |
| Deposits |
$985,024
+4.9% YoY+3.9% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.2% in tier |
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| ROA |
1.1%
-28.2% YoY-376.2% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
4.2%
-6.8% YoY+16.4% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
72.8%
+12.6% YoY-34.7% QoQ
|
-8.6% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
2.9%
+17.9% YoY+12.9% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 12.2% in tier |
| Loan To Share |
27.8%
-18.2% YoY-8.8% QoQ
|
-33.5% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.2% in tier |
| AMR |
$4,385
-1.0% YoY+2.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.4% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
204
Net Worth Ratio
risk
Value:
27.56%
Peer Avg: -
#204 of 2596
Top 7.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
607
Member Growth Rate
growth
Value:
1.06%
Peer Avg: -
#607 of 2596
Top 23.3% in <100M tier
630
Deposit Growth Rate
growth
Value:
4.91%
Peer Avg: -
#630 of 2596
Top 24.2% in <100M tier
Top Weaknesses (11 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2468
Total Loans
balance_sheet
Value:
$273,414
Peer Avg: -
#2468 of 2596
Bottom 5.0% in <100M tier
2446
Loan-to-Member Ratio (LMR)
engagement
Value:
$952.66
Peer Avg: -
#2446 of 2596
Bottom 5.8% in <100M tier
2444
Members Per Employee (MPE)
engagement
Value:
95.667
Peer Avg: -
#2444 of 2596
Bottom 5.9% in <100M tier
2408
Total Deposits
balance_sheet
Value:
$985,024
Peer Avg: -
#2408 of 2596
Bottom 7.3% in <100M tier
2404
Average Member Relationship (AMR)
engagement
Value:
$4,385
Peer Avg: -
#2404 of 2596
Bottom 7.4% in <100M tier
2404
Total Assets
balance_sheet
Value:
$1.36M
Peer Avg: -
#2404 of 2596
Bottom 7.4% in <100M tier
2398
Total Members
engagement
Value:
287
Peer Avg: -
#2398 of 2596
Bottom 7.7% in <100M tier
2378
Loan-to-Share Ratio
balance_sheet
Value:
27.76%
Peer Avg: -
#2378 of 2596
Bottom 8.4% in <100M tier
2279
Total Delinquency Rate (60+ days)
risk
Value:
2.93%
Peer Avg: -
#2279 of 2596
Bottom 12.2% in <100M tier