PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Norfolk Fire Department

Norfolk, VA · Charter 3746

NCUA · 1 branch

Q2 2026

$26.8MAssets
$6.5MLoans
$21.4MShares
$5.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.55%, down 63 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.41% of loans (-11 bps YoY).
  • Capital: net worth / assets of 20.12%, up 124 bps from a year ago.
  • Funding: loans stand at 30.38% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.55%-63 bps YoY

Net Interest Margin (quarter, annualized)

4.39%-36 bps YoY

Efficiency Ratio (quarter, annualized)

67.21%+704 bps YoY

Net Worth / Assets

20.12%+124 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.81%1.81%2.17%2.05%2.02%1.34%1.55%-63 bps
Return on Equity9.67%9.96%10.06%11.52%10.74%10.53%6.78%7.70%-382 bps
Net Interest Margin4.40%4.63%4.27%4.75%4.53%4.60%4.13%4.39%-36 bps
Efficiency Ratio64.35%65.33%63.97%60.17%60.11%59.90%69.48%67.21%+704 bps
Growth
Asset Growth (YoY)0.94%-0.06%2.78%0.90%3.25%5.50%0.81%2.81%+191 bps
Loan Growth (YoY)-3.31%-4.91%-3.67%-1.44%-2.83%-8.39%-13.73%-17.36%-1,592 bps
Share Growth (YoY)-0.31%-2.02%1.36%-1.26%1.31%3.96%-1.42%1.21%+247 bps
Asset Quality
Delinquent Loans / Loans0.63%0.73%0.67%0.52%0.48%0.49%0.47%0.41%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.57%18.14%18.01%18.88%19.06%19.22%19.80%20.12%+124 bps
Net Worth / Assets17.57%18.14%18.01%18.88%19.06%19.22%19.80%20.12%+124 bps
Liquidity & Funding
Loans / Shares37.49%37.87%35.85%37.20%35.96%33.38%31.37%30.38%-683 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps