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Fire Fighters

Tulsa, OK · Charter 60696

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 Oklahoma City, OK 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 Oklahoma City, OK area (n=17). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

59

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 2026-10-11

Fire Fighters

Tulsa, OK · Charter 60696

NCUA · 1 branch

Q2 2026

$45.4MAssets
$28.6MLoans
$34.1MShares
$9.4MNet 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 1.04%, up 9 bps year over year; NIM at 5.57%.
  • Asset quality: problem loans at 1.39% of loans (+8 bps YoY).
  • Capital: net worth / assets of 20.72%, up 244 bps from a year ago.
  • Funding: loans stand at 83.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+9 bps YoY

Net Interest Margin (YTD, annualized)

5.57%+39 bps YoY

Efficiency Ratio (YTD, annualized)

81.38%-309 bps YoY

Net Worth / Assets

20.72%+244 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.08%1.03%1.04%1.04%+9 bps
Return on Equity5.19%5.65%5.49%5.27%5.03%-16 bps
Net Interest Margin5.18%5.40%5.25%5.44%5.57%+39 bps
Efficiency Ratio84.47%83.01%83.31%83.57%81.38%-309 bps
Growth
Asset Growth (YoY)14.16%9.91%7.46%0.64%-6.75%-2,090 bps
Loan Growth (YoY)11.57%10.38%8.80%6.70%5.61%-596 bps
Share Growth (YoY)13.91%9.09%7.74%-1.62%-11.22%-2,512 bps
Asset Quality
Delinquent Loans / Loans1.31%1.46%1.73%1.34%1.39%+8 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 Capital18.27%19.15%18.75%19.77%20.72%+244 bps
Net Worth / Assets18.27%19.15%18.75%19.77%20.72%+244 bps
Liquidity & Funding
Loans / Shares70.45%75.16%73.99%77.85%83.80%+1,335 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 2026-10-11

Fire Fighters

Tulsa, OK · Charter 60696 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)

NCUA · 1 branch

Q2 2026

$45.4MAssets
$28.6MLoans
$34.1MShares
$9.4MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 2 of 17).
  • Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 16 of 17).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.04%

Rank 2 of 17

Net Interest Margin

5.57%

Rank 2 of 17

Efficiency Ratio

81.40%

Rank 8 of 17

Equity / Assets

20.72%

Rank 2 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.09%0.50%0.87%Beats 88%2 / 17
Return on Equity5.02%0.57%3.59%5.86%Beats 65%6 / 17
Net Interest Margin5.57%3.47%3.95%4.62%Beats 88%2 / 17
Efficiency Ratio81.40%72.40%84.09%93.29%Beats 59%8 / 17
Asset Quality
Nonperforming Loans / Loans1.39%0.24%0.51%0.96%Beats 12%16 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.72%9.54%12.63%17.12%Beats 88%2 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.72%9.54%12.63%17.12%Beats 88%2 / 17
Liquidity & Funding
Loans / Deposits83.80%65.22%80.30%85.86%65th pctl6 / 17
Loans / Assets62.95%51.37%68.04%74.15%29th pctl12 / 17
Brokered Deposits / Depositsn/aNot reported for this institution