BlastPoint's Credit Union Scorecard

FIREFIGHTERS

Charter #97052 · IN

<100M

2556 CUs in <100M nationally 82 in IN

FIREFIGHTERS has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.13% above tier average
+ Total Deposits: Top 5.0% in tier
+ Total Assets: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.1% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	4,812 -2.1% YoY-2.1% QoQ	+2.2K	2,615 -1.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	85%
Assets	$86.0M +0.9% YoY+0.4% QoQ	+$55.8M	$30.1M +2.1% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	Top 5.6% in tier
Loans	$29.5M -11.4% YoY-4.9% QoQ	+$13.7M	$15.8M -1.3% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	82%
Deposits	$75.0M +0.1% YoY+0.2% QoQ	+$49.3M	$25.7M +1.4% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	Top 5.0% in tier

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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	0.8% +17.9% YoY+1.0% QoQ	+0.1%	0.6% +10.8% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	54%
NIM	3.3% +6.1% YoY+0.9% QoQ	-0.6%	4.0% +4.0% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	28%
Efficiency Ratio	77.7% -2.1% YoY+2.6% QoQ	-4.9%	82.6% -2.3% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	45%
Delinquency Rate	0.3% +75.5% YoY+5.8% QoQ	-1.2	1.6% -3.1% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	33%
Loan To Share	39.3% -11.4% YoY-5.1% QoQ	-21.3%	60.6% -3.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	18%
AMR	$21,703 -1.4% YoY+0.8% QoQ	+$7K	$14,783 -1.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	84%
CD Concentration	6.0% +31.5% YoY+3.3% QoQ	-18.4%	24.4%	19.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.7%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

129

Total Deposits

balance_sheet

Value: $74.97M

Peer Median: -

#129 of 2556 Top 5.0% in <100M tier

142

Total Assets

balance_sheet

Value: $85.97M

Peer Median: -

#142 of 2556 Top 5.5% in <100M tier

387

Total Members

engagement

Value: 4,812

Peer Median: -

#387 of 2556 Top 15.1% in <100M tier

404

Average Member Relationship (AMR)

engagement

Value: $21,703

Peer Median: -

#404 of 2556 Top 15.8% in <100M tier

462

Total Loans

balance_sheet

Value: $29.46M

Peer Median: -

#462 of 2556 Top 18.0% in <100M tier

Top Weaknesses (2 metrics)

2122

Loan Growth Rate

growth

Value: -11.38%

Peer Median: -

#2122 of 2556 Bottom 17.0% in <100M tier

2080

Loan-to-Share Ratio

balance_sheet

Value: 39.30%

Peer Median: -

#2080 of 2556 Bottom 18.7% in <100M tier