BlastPoint's Credit Union Scorecard
HAMMOND FIREFIGHTERS ASSN.
Charter #82762 · IN
<100M
2508 CUs in <100M nationally
80 in IN
HAMMOND FIREFIGHTERS ASSN. has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.51% above tier average
- + Net Interest Margin 1.27% above tier average
- + Loan Growth Rate: Top 1.6% in tier
- + Net Worth Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Loans: Bottom 6.1% in tier
- - Total Deposits: Bottom 6.6% in tier
- - Total Assets: Bottom 6.9% in tier
- - Average Member Relationship (AMR): Bottom 7.4% in tier
- - Total Members: Bottom 7.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
289
-0.7% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.3M
-1.8% YoY-3.6% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.8% in tier |
| Loans |
$370,607
+33.4% YoY-9.0% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.1% in tier |
| Deposits |
$919,677
-3.8% YoY-5.6% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
+50.6% YoY+110.5% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 12.0% in tier |
| NIM |
5.3%
+14.0% YoY+31.9% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
68.7%
-10.0% YoY-14.6% QoQ
|
-22.0% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
1.5%
-56.9% YoY-2.2% QoQ
|
+0.0 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
40.3%
+38.7% YoY-3.6% QoQ
|
-18.2% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$4,465
+5.3% YoY-6.6% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.4% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
40
Loan Growth Rate
growth
Value:
33.43%
Peer Median: -2.36%
#40 of 2508
Top 1.6% in <100M tier
155
Net Worth Ratio
risk
Value:
29.41%
Peer Median: 14.28%
#155 of 2508
Top 6.1% in <100M tier
206
Net Interest Margin (NIM)
profitability
Value:
5.28%
Peer Median: 3.83%
#206 of 2508
Top 8.2% in <100M tier
300
Return on Assets (ROA)
profitability
Value:
1.66%
Peer Median: 0.61%
#300 of 2508
Top 11.9% 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
593
Efficiency Ratio
profitability
Value:
68.66%
Peer Median: 81.45%
#593 of 2508
Top 23.6% in <100M tier
609
AMR Growth Rate
growth
Value:
5.33%
Peer Median: 1.27%
#609 of 2508
Top 24.2% in <100M tier
Top Weaknesses (10 metrics)
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2360
Members Per Employee (MPE)
engagement
Value:
96.333
Peer Median: 333.750
#2360 of 2508
Bottom 5.9% in <100M tier
2356
Total Loans
balance_sheet
Value:
$370,607
Peer Median: $9.48M
#2356 of 2508
Bottom 6.1% in <100M tier
2344
Total Deposits
balance_sheet
Value:
$919,677
Peer Median: $18.77M
#2344 of 2508
Bottom 6.6% in <100M tier
2337
Total Assets
balance_sheet
Value:
$1.30M
Peer Median: $21.86M
#2337 of 2508
Bottom 6.9% in <100M tier
2323
Average Member Relationship (AMR)
engagement
Value:
$4,465
Peer Median: $13,926
#2323 of 2508
Bottom 7.4% in <100M tier
2321
Total Members
engagement
Value:
289
Peer Median: 1,918
#2321 of 2508
Bottom 7.5% in <100M tier
2316
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,282
Peer Median: $4,923
#2316 of 2508
Bottom 7.7% in <100M tier
1944
Loan-to-Share Ratio
balance_sheet
Value:
40.30%
Peer Median: 58.72%
#1944 of 2508
Bottom 22.5% in <100M tier
1913
Deposit Growth Rate
growth
Value:
-3.78%
Peer Median: 0.66%
#1913 of 2508
Bottom 23.8% in <100M tier