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Toledo Fire Fighters

Toledo, OH · Charter 3748

NCUA · 1 branch

Q2 2026

$45.5MAssets
$18.9MLoans
$37.4MShares
$8.1MNet 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 1.75%, down 33 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.34% of loans (-65 bps YoY).
  • Capital: net worth / assets of 17.84%, up 119 bps from a year ago.
  • Funding: loans stand at 50.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%-33 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+4 bps YoY

Efficiency Ratio (YTD, annualized)

57.79%-57 bps YoY

Net Worth / Assets

17.84%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.07%1.90%1.91%1.30%1.75%-33 bps
Return on Equity12.46%11.10%11.13%7.55%9.81%-265 bps
Net Interest Margin4.27%4.41%4.31%4.28%4.32%+4 bps
Efficiency Ratio58.36%57.03%59.36%57.51%57.79%-57 bps
Growth
Asset Growth (YoY)1.05%3.36%5.54%4.98%3.40%+236 bps
Loan Growth (YoY)-5.06%-5.56%-3.18%-1.48%-0.89%+418 bps
Share Growth (YoY)-1.25%1.71%4.47%3.70%1.88%+313 bps
Asset Quality
Delinquent Loans / Loans0.99%0.48%0.83%0.27%0.34%-65 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 Capital16.65%17.14%17.15%17.28%17.84%+119 bps
Net Worth / Assets16.65%17.14%17.15%17.28%17.84%+119 bps
Liquidity & Funding
Loans / Shares51.97%51.57%50.11%47.91%50.56%-141 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps