BlastPoint's Credit Union Scorecard
EAST CHICAGO FIREMEN'S
Charter #82772 · IN
EAST CHICAGO FIREMEN'S has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.99% below tier average
- - Efficiency ratio 105.18% above tier (higher cost structure)
- - Member decline: -11.0% YoY
- - Loan-to-Share Ratio: Bottom 1.0% in tier
- - Total Loans: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 1.8% in tier
Core Metrics
As of 2025-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
129
-11.0% YoY-2.3% QoQ
|
-2.5K |
2,629
-2.0% YoY
|
22,139
+1.7% YoY
|
32,521
+5.8% YoY
|
Bottom 2.5% in tier |
| Assets |
$592,142
-16.6% YoY-2.8% QoQ
|
$-29.2M |
$29.8M
+1.2% YoY
|
$373.9M
+7.9% YoY
|
$538.5M
+7.5% YoY
|
Bottom 4.0% in tier |
| Loans |
$15,886
-45.5% YoY-14.3% QoQ
|
$-15.7M |
$15.7M
-2.4% YoY
|
$266.9M
+4.9% YoY
|
$380.3M
+7.9% YoY
|
Bottom 1.4% in tier |
| Deposits |
$467,485
-18.7% YoY-3.1% QoQ
|
$-25.0M |
$25.5M
+0.5% YoY
|
$315.4M
+9.2% YoY
|
$457.8M
+8.9% YoY
|
Bottom 4.1% in tier |
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| ROA |
-1.5%
+34.0% YoY-6.0% QoQ
|
-2.0% |
0.4%
-286.0% YoY
|
0.8%
+56.9% YoY
|
0.6%
+423.1% YoY
|
Bottom 4.6% in tier |
| NIM |
1.5%
-1.6% YoY-1.7% QoQ
|
-2.3% |
3.9%
+4.0% YoY
|
3.8%
+8.9% YoY
|
3.7%
+5.1% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio |
200.6%
+15.4% YoY-2.2% QoQ
|
+105.2% |
95.4%
-43.8% YoY
|
80.0%
-6.7% YoY
|
87.6%
-34.8% YoY
|
Bottom 1.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+6.5% YoY
|
1.2%
+18.1% YoY
|
1.2%
+6.5% YoY
|
Top 0.1% in tier |
| Loan To Share |
3.4%
-33.0% YoY-11.6% QoQ
|
-57.4% |
60.8%
-3.4% YoY
|
68.3%
-4.3% YoY
|
67.3%
-2.3% YoY
|
Bottom 0.8% in tier |
| AMR |
$3,747
-10.1% YoY-1.3% QoQ
|
$-12K |
$16,056
+3.2% YoY
|
$18,062
+4.0% YoY
|
$20,202
+3.7% YoY
|
Bottom 6.1% in tier |
| CD Concentration | 0.0% | - | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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)