BlastPoint's Credit Union Scorecard

FIREFIGHTERS COMMUNITY CU

Charter #96723 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

FIREFIGHTERS COMMUNITY CU has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.16% above tier average
+ Total Members: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 3.20% above tier (higher cost structure)
- Member decline: -4.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	28,585 -4.1% YoY-0.7% QoQ	+13.4K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	Top 7.4% in tier
Assets	$355.6M +2.5% YoY+0.4% QoQ	+$123.9M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	83%
Loans	$249.2M +5.3% YoY+1.2% QoQ	+$105.1M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	Top 13.2% in tier
Deposits	$318.8M +1.9% YoY+0.3% QoQ	+$117.6M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	85%

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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	0.7% +647.6% YoY+28.2% QoQ	+0.0%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	54%
NIM	3.8% +14.2% YoY+5.8% QoQ	+0.2%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	81.2% -7.0% YoY-1.5% QoQ	+3.2%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	59%
Delinquency Rate	0.8% +53.4% YoY-7.9% QoQ	+0.0	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	64%
Loan To Share	78.2% +3.4% YoY+0.9% QoQ	+7.8%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	63%
AMR	$19,870 +7.8% YoY+1.5% QoQ	$-5K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	32%
CD Concentration	32.9% +1.6% YoY-1.2% QoQ	+8.6%	24.3%	19.4%	19.8%	50%
Indirect Auto %	32.5% -5.3% YoY+3.4% QoQ	+18.7%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#219 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.78%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#175 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.09%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#259 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): 0.27% 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 | Rank improving

Indirect Auto Dependency

risk

#180 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.53%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.53%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.09%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#189 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): 5.33%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.27% 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

Stagnation Risk

risk

#255 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.09%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.33%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.77%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#578 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.22%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.65% points

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

but better than tier avg

Member Growth (YoY): -4.09%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 (5 metrics)

Total Members

engagement

Value: 28,585

Peer Median: 13,200

#79 of 1070 Top 7.3% in 100M-500M tier

141

Total Loans

balance_sheet

Value: $249.23M

Peer Median: $121.41M

#141 of 1070 Top 13.1% in 100M-500M tier

165

Total Deposits

balance_sheet

Value: $318.76M

Peer Median: $171.29M

#165 of 1070 Top 15.3% in 100M-500M tier

170

AMR Growth Rate

growth

Value: 7.78%

Peer Median: 3.46%

#170 of 1070 Top 15.8% in 100M-500M tier

186

Total Assets

balance_sheet

Value: $355.64M

Peer Median: $196.57M

#186 of 1070 Top 17.3% in 100M-500M tier

Top Weaknesses (4 metrics)

927

Indirect Auto Concentration (%)

balance_sheet

Value: 32.53%

Peer Median: 6.61%

#927 of 1070 Bottom 13.5% in 100M-500M tier

923

Member Growth Rate

growth

Value: -4.09%

Peer Median: -0.06%

#923 of 1070 Bottom 13.8% in 100M-500M tier

853

Share Certificate Concentration (%)

balance_sheet

Value: 32.85%

Peer Median: 23.10%

#853 of 1070 Bottom 20.4% in 100M-500M tier

807

Net Worth Ratio

risk

Value: 9.73%

Peer Median: 11.45%

#807 of 1070 Bottom 24.7% in 100M-500M tier