PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Firefighters First

Los Angeles, CA · Charter 24877

NCUA · 16 branches

Q2 2026

$2.5BAssets
$2.1BLoans
$2.2BShares
$232.8MNet 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 1.00%, up 31 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.19% of loans (-9 bps YoY).
  • Capital: net worth / assets of 9.39%, up 17 bps from a year ago.
  • Funding: loans stand at 94.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%+31 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+24 bps YoY

Efficiency Ratio (YTD, annualized)

71.89%-584 bps YoY

Net Worth / Assets

9.39%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.75%0.61%0.43%1.00%+31 bps
Return on Equity7.41%8.23%6.65%4.75%10.60%+319 bps
Net Interest Margin2.68%2.67%2.52%2.88%2.92%+24 bps
Efficiency Ratio77.73%75.92%81.37%85.09%71.89%-584 bps
Growth
Asset Growth (YoY)6.76%9.97%9.05%8.09%6.58%-18 bps
Loan Growth (YoY)9.53%11.59%11.51%11.45%11.47%+193 bps
Share Growth (YoY)9.69%13.12%9.04%8.05%6.34%-335 bps
Asset Quality
Delinquent Loans / Loans0.29%0.18%0.17%0.10%0.19%-9 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 Capital9.22%9.15%9.18%9.03%9.39%+17 bps
Net Worth / Assets9.22%9.15%9.18%9.03%9.39%+17 bps
Liquidity & Funding
Loans / Shares90.61%90.44%92.66%91.97%94.98%+437 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps