BlastPoint's Credit Union Scorecard

MIAMI FIREFIGHTERS

Charter #872 · FL

1069 CUs in 100M-500M nationally 35 in FL

MIAMI FIREFIGHTERS has 9 strengths but faces 4 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 13.0% in tier
+ Organic Growth Leader: Top 31.1% in tier
+ Emerging Performer: Top 35.4% in tier
+ Relationship Depth Leader: Top 97.0% in tier
+ ROA 0.37% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 0.3% in tier
+ Loan-to-Member Ratio (LMR): Top 2.7% in tier
+ Average Member Relationship (AMR): Top 3.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.1% in tier
- Credit Quality Pressure: Bottom 24.2% in tier
- Margin Compression: Bottom 69.7% in tier
- Total Members: Bottom 6.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	6,172 +3.8% YoY+1.1% QoQ	-9.3K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	Bottom 6.5% in tier
Assets	$183.7M +1.9% YoY-0.2% QoQ	$-48.2M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	45%
Loans	$134.4M +10.9% YoY+2.4% QoQ	$-12.9M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	55%
Deposits	$159.3M +0.8% YoY-0.4% QoQ	$-41.5M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	45%

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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	1.1% -10.4% YoY+16.0% QoQ	+0.4%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	77%
NIM	3.0% +1.5% YoY+0.0% QoQ	-0.6%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	18%
Efficiency Ratio	66.8% +7.1% YoY+0.9% QoQ	-10.2%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	18%
Delinquency Rate	0.5% +276.3% YoY+36.9% QoQ	-0.4	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	36%
Loan To Share	84.4% +10.0% YoY+2.8% QoQ	+12.1%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	73%
AMR	$47,595 +1.3% YoY-0.3% QoQ	+$23K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	Top 3.4% in tier
CD Concentration	34.5% +13.0% YoY-0.8% QoQ	+10.1%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#78 of 595 • Top 13.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.84%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.14%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#133 of 426 • Top 31.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.84%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#65 of 182 • Top 35.4% 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: 1.14%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.84%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Relationship Depth Leader

growth

#260 of 268 • Top 97.0% 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): 1.31%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#47 of 456 • Bottom 10.1% in tier

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

Why This Signature

Loan Growth (YoY): 10.88%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#171 of 705 • Bottom 24.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Margin Compression

decline

#86 of 123 • Bottom 69.7% 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: 1.14%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.27%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | 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 1069 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.04%

Peer Median: -

#4 of 1069 Top 0.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,780

Peer Median: -

#30 of 1069 Top 2.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $47,595

Peer Median: -

#36 of 1069 Top 3.3% in 100M-500M tier

144

Loan Growth Rate

growth

Value: 10.88%

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

153

Member Growth Rate

growth

Value: 3.84%

Peer Median: -

#153 of 1069 Top 14.2% in 100M-500M tier

190

Efficiency Ratio

profitability

Value: 66.78%

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

250

Return on Assets (ROA)

profitability

Value: 1.14%

Peer Median: -

#250 of 1069 Top 23.3% in 100M-500M tier

Top Weaknesses (4 metrics)

999

Total Members

engagement

Value: 6,172

Peer Median: -

#999 of 1069 Bottom 6.6% in 100M-500M tier

894

Share Certificate Concentration (%)

balance_sheet

Value: 34.49%

Peer Median: -

#894 of 1069 Bottom 16.5% in 100M-500M tier

880

Net Interest Margin (NIM)

profitability

Value: 2.99%

Peer Median: -

#880 of 1069 Bottom 17.8% in 100M-500M tier

837

Deposit Growth Rate

growth

Value: 0.84%

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier