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Cambridge Firefighters

Cambridge, MA · Charter 1236

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Cambridge Firefighters

Cambridge, MA · Charter 1236

NCUA · 1 branch

Q2 2026

$14.2MAssets
$8.6MLoans
$10.5MShares
$3.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.70%, down 15 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.27% of loans (-10 bps YoY).
  • Capital: net worth / assets of 25.82%, up 78 bps from a year ago.
  • Funding: loans stand at 81.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.07%-9 bps YoY

Efficiency Ratio (YTD, annualized)

56.72%+601 bps YoY

Net Worth / Assets

25.82%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%1.86%1.86%1.51%1.70%-15 bps
Return on Equity7.39%7.39%7.42%6.19%6.59%-80 bps
Net Interest Margin4.16%4.15%4.07%3.86%4.07%-9 bps
Efficiency Ratio50.72%51.89%52.10%57.87%56.72%+601 bps
Growth
Asset Growth (YoY)-1.04%-1.29%4.51%8.41%4.32%+535 bps
Loan Growth (YoY)8.94%8.85%4.34%0.71%2.25%-669 bps
Share Growth (YoY)-4.36%-4.25%3.36%8.66%3.36%+772 bps
Asset Quality
Delinquent Loans / Loans0.37%0.18%0.23%0.16%0.27%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.04%25.23%25.04%24.31%25.82%+78 bps
Net Worth / Assets25.04%25.23%25.04%24.31%25.82%+78 bps
Liquidity & Funding
Loans / Shares82.49%82.50%82.65%75.65%81.61%-88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Cambridge Firefighters

Cambridge, MA · Charter 1236 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 1 branch

Q2 2026

$14.2MAssets
$8.6MLoans
$10.5MShares
$3.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 4 of 66).
  • Widest gap: nonperforming loans / loans trails 39% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 66).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.71%

Rank 5 of 66

Net Interest Margin

4.06%

Rank 13 of 66

Efficiency Ratio

56.94%

Rank 4 of 66

Equity / Assets

25.82%

Rank 6 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%0.38%0.59%1.00%Beats 92%5 / 66
Return on Equity6.61%2.62%4.89%6.39%Beats 77%15 / 66
Net Interest Margin4.06%2.83%3.27%3.84%Beats 80%13 / 66
Efficiency Ratio56.94%68.43%80.15%87.18%Beats 95%4 / 66
Asset Quality
Nonperforming Loans / Loans0.27%0.08%0.48%1.18%Beats 61%27 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio25.82%9.84%13.79%17.21%Beats 91%6 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets25.82%9.84%13.79%17.21%Beats 91%6 / 66
Liquidity & Funding
Loans / Deposits81.61%50.73%71.54%81.61%74th pctl17 / 66
Loans / Assets60.36%40.53%57.05%68.92%55th pctl30 / 66
Brokered Deposits / Depositsn/aNot reported for this institution