PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fire Fighters

Tulsa, OK · Charter 60696

NCUA · 1 branch

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.14%0.99%0.95%1.08%1.03%1.04%1.04%+9 bps
Return on Equity6.04%6.00%5.25%5.19%5.65%5.49%5.27%5.03%-16 bps
Net Interest Margin5.47%5.39%5.29%5.18%5.40%5.25%5.44%5.57%+39 bps
Efficiency Ratio81.79%81.64%84.08%84.47%83.01%83.31%83.57%81.38%-309 bps
Growth
Asset Growth (YoY)-3.14%4.37%5.36%14.16%9.91%7.46%0.64%-6.75%-2,090 bps
Loan Growth (YoY)0.56%5.16%8.19%11.57%10.38%8.80%6.70%5.61%-596 bps
Share Growth (YoY)-4.78%1.18%4.11%13.91%9.09%7.74%-1.62%-11.22%-2,512 bps
Asset Quality
Delinquent Loans / Loans1.35%1.43%1.11%1.31%1.46%1.73%1.34%1.39%+8 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 Capital19.38%19.04%18.80%18.27%19.15%18.75%19.77%20.72%+244 bps
Net Worth / Assets19.38%19.04%18.80%18.27%19.15%18.75%19.77%20.72%+244 bps
Liquidity & Funding
Loans / Shares74.28%73.27%71.77%70.45%75.16%73.99%77.85%83.80%+1,335 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps