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Chicago Firefighter's

Chicago, IL · Charter 61209

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 Chicago-Naperville-Elgin, IL-IN 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 Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

91

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

Chicago Firefighter's

Chicago, IL · Charter 61209

NCUA · 1 branch

Q2 2026

$92.9MAssets
$55.8MLoans
$78.7MShares
$13.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.30%, up 5 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.07% of loans (-8 bps YoY).
  • Capital: net worth / assets of 14.11%, down 120 bps from a year ago.
  • Funding: loans stand at 70.98% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.18%-48 bps YoY

Efficiency Ratio (YTD, annualized)

56.36%-807 bps YoY

Net Worth / Assets

14.11%-120 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.22%1.29%0.84%1.25%1.34%0.68%1.14%1.30%+5 bps
Return on Equity13.70%8.40%5.62%8.17%8.83%4.62%8.09%9.18%+102 bps
Net Interest Margin4.05%3.22%3.67%3.66%3.53%2.88%3.21%3.18%-48 bps
Efficiency Ratio48.39%61.29%74.13%64.43%60.63%74.73%60.89%56.36%-807 bps
Growth
Asset Growth (YoY)0.15%4.29%7.98%8.79%12.03%9.79%12.53%14.36%+557 bps
Loan Growth (YoY)12.15%6.00%3.09%2.32%0.26%2.74%-0.06%0.21%-211 bps
Share Growth (YoY)-1.33%4.99%8.27%9.40%13.44%10.70%13.77%14.70%+530 bps
Asset Quality
Delinquent Loans / Loans0.05%0.13%0.11%0.15%0.12%0.14%0.03%0.07%-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 Capital16.21%15.39%15.02%15.31%15.18%14.69%14.08%14.11%-120 bps
Net Worth / Assets16.21%15.39%15.02%15.31%15.18%14.69%14.08%14.11%-120 bps
Liquidity & Funding
Loans / Shares89.36%84.30%80.68%81.23%78.98%78.24%70.87%70.98%-1,026 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%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

Chicago Firefighter's

Chicago, IL · Charter 61209 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)

NCUA · 1 branch

Q2 2026

$92.9MAssets
$55.8MLoans
$78.7MShares
$13.1MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 91% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 10 of 96).
  • Widest gap: net interest margin trails 70% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 67 of 96).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.30%

Rank 18 of 96

Net Interest Margin

3.18%

Rank 67 of 96

Efficiency Ratio

56.36%

Rank 10 of 96

Equity / Assets

14.11%

Rank 57 of 96

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.30%-0.02%0.42%1.03%Beats 81%18 / 96
Return on Equity9.18%-0.11%2.94%6.89%Beats 84%15 / 95
Net Interest Margin3.18%3.01%3.57%4.27%Beats 30%67 / 96
Efficiency Ratio56.36%73.45%82.91%96.61%Beats 91%10 / 96
Asset Quality
Nonperforming Loans / Loans0.07%0.08%0.86%1.63%Beats 76%23 / 93
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.11%11.79%15.23%18.93%Beats 41%57 / 96
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.11%11.79%15.23%18.93%Beats 41%57 / 96
Liquidity & Funding
Loans / Deposits70.98%32.14%50.03%67.81%81st pctl18 / 96
Loans / Assets60.10%23.12%42.50%56.24%79th pctl20 / 96
Brokered Deposits / Depositsn/aNot reported for this institution