BlastPoint's Credit Union Scorecard

MIAMI FIREFIGHTERS

Charter #872 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

MIAMI FIREFIGHTERS has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.18% above tier average
+ Loan-to-Member Ratio (LMR): Top 2.5% in tier
+ Average Member Relationship (AMR): Top 2.7% in tier
+ Total Delinquency Rate (60+ days): Top 8.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Total Members: Bottom 7.4% in tier
- Net Interest Margin (NIM): Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	6,235 +4.5% YoY+1.0% QoQ	-8.9K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	Bottom 7.3% in tier
Assets	$193.9M +5.1% YoY+5.5% QoQ	$-37.9M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	49%
Loans	$136.1M +11.0% YoY+1.2% QoQ	$-8.1M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	57%
Deposits	$170.0M +5.2% YoY+6.7% QoQ	$-31.2M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	49%

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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	0.9% -27.9% YoY-19.6% QoQ	+0.2%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	65%
NIM	2.8% -6.8% YoY-6.6% QoQ	-0.8%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	Bottom 8.5% in tier
Efficiency Ratio	70.5% +12.8% YoY+5.6% QoQ	-7.5%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	0.1% +52.9% YoY-75.9% QoQ	-0.6	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	Top 8.6% in tier
Loan To Share	80.1% +5.5% YoY-5.1% QoQ	+9.6%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	68%
AMR	$49,082 +3.1% YoY+3.1% QoQ	+$24K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	Top 2.8% in tier
CD Concentration	32.5% -1.0% YoY-5.8% QoQ	+8.2%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#74 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.46%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.91%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#96 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.46%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#64 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.91%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.46%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Relationship Depth Leader

growth

#184 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.12%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $4.8K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#237 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.99%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#42 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.99% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 40.66%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Margin Compression

decline

#75 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.91%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.27%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.35% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#601 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,824

Peer Median: $9,356

#28 of 1070 Top 2.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $49,082

Peer Median: $22,931

#30 of 1070 Top 2.7% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.61%

#93 of 1070 Top 8.6% in 100M-500M tier

133

Member Growth Rate

growth

Value: 4.46%

Peer Median: -0.06%

#133 of 1070 Top 12.3% in 100M-500M tier

148

Loan Growth Rate

growth

Value: 10.99%

Peer Median: 2.93%

#148 of 1070 Top 13.7% in 100M-500M tier

Top Weaknesses (3 metrics)

992

Total Members

engagement

Value: 6,235

Peer Median: 13,200

#992 of 1070 Bottom 7.4% in 100M-500M tier

979

Net Interest Margin (NIM)

profitability

Value: 2.79%

Peer Median: 3.62%

#979 of 1070 Bottom 8.6% in 100M-500M tier

845

Share Certificate Concentration (%)

balance_sheet

Value: 32.49%

Peer Median: 23.10%

#845 of 1070 Bottom 21.1% in 100M-500M tier