BlastPoint's Credit Union Scorecard

KNOXVILLE FIREFIGHTERS

Charter #9873 · TN

<100M
2556 CUs in <100M nationally 87 in TN

KNOXVILLE FIREFIGHTERS demonstrates 4 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.33% above tier average
  • + Loan-to-Member Ratio (LMR): Top 6.0% in tier
  • + Average Member Relationship (AMR): Top 6.3% in tier
  • + Efficiency Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 1,841
+0.5% YoY+0.9% QoQ
-774 2,615
-1.9% YoY
21,265
+4.5% YoY
33,374
+5.7% YoY
48%
Assets $36.4M
+2.6% YoY+1.1% QoQ
+$6.3M $30.1M
+2.1% YoY
$372.5M
+10.3% YoY
$561.6M
+9.7% YoY
66%
Loans $20.2M
-7.0% YoY-0.7% QoQ
+$4.5M $15.8M
-1.3% YoY
$275.7M
+8.6% YoY
$397.0M
+8.8% YoY
70%
Deposits $29.2M
+1.5% YoY+0.5% QoQ
+$3.5M $25.7M
+1.4% YoY
$312.1M
+9.5% YoY
$477.3M
+9.7% YoY
64%

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ROA 1.9%
+2.6% YoY+7.3% QoQ
+1.3% 0.6%
+10.8% YoY
0.7%
-5.8% YoY
0.7%
+15.9% YoY
Top 7.6% in tier
NIM 3.9%
+4.8% YoY+0.1% QoQ
+0.0% 4.0%
+4.0% YoY
3.8%
+3.7% YoY
3.8%
+5.1% YoY
51%
Efficiency Ratio 54.0%
-0.2% YoY-4.4% QoQ
-28.6% 82.6%
-2.3% YoY
79.4%
+2.9% YoY
79.7%
-3.3% YoY
Top 6.6% in tier
Delinquency Rate 0.1%
-67.6% QoQ
-1.4 1.6%
-3.1% YoY
1.1%
-12.6% YoY
1.3%
-2.1% YoY
20%
Loan To Share 69.4%
-8.3% YoY-1.2% QoQ
+8.7% 60.6%
-3.1% YoY
70.0%
-2.2% YoY
67.4%
-1.7% YoY
63%
AMR $26,826
-2.6% YoY-0.9% QoQ
+$12K $14,783
-1.4% YoY
$18,770
+3.9% YoY
$19,687
+2.0% YoY
Top 6.3% in tier
CD Concentration 3.8%
+7.8% YoY-2.8% QoQ
-20.6% 24.4% 22.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 6.7% 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)

Comparing against 2556 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
155
Loan-to-Member Ratio (LMR)
engagement
Value: $10,986
Peer Median: -
#155 of 2556 Top 6.0% in <100M tier
161
Average Member Relationship (AMR)
engagement
Value: $26,826
Peer Median: -
#161 of 2556 Top 6.3% in <100M tier
169
Efficiency Ratio
profitability
Value: 53.98%
Peer Median: -
#169 of 2556 Top 6.6% in <100M tier
193
Return on Assets (ROA)
profitability
Value: 1.95%
Peer Median: -
#193 of 2556 Top 7.5% in <100M tier
523
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Median: -
#523 of 2556 Top 20.4% in <100M tier
629
Net Worth Ratio
risk
Value: 19.36%
Peer Median: -
#629 of 2556 Top 24.6% in <100M tier

Top Weaknesses (2 metrics)

1997
First Mortgage Concentration (%)
balance_sheet
Value: 28.60%
Peer Median: -
#1997 of 2556 Bottom 21.9% in <100M tier
1919
AMR Growth Rate
growth
Value: -2.64%
Peer Median: -
#1919 of 2556 Bottom 25.0% in <100M tier
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