PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Springfield Firefighters

Springfield, IL · Charter 65256

NCUA · 1 branch

Q2 2026

$3.4MAssets
$722KLoans
$2.8MShares
$558KNet Worth

Executive Summary

  • Earnings: ROA of 3.41%, down 76 bps year over year; NIM at 5.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.59%, down 105 bps from a year ago.
  • Funding: loans stand at 25.84% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

3.41%-76 bps YoY

Net Interest Margin (YTD, annualized)

5.51%-98 bps YoY

Efficiency Ratio (YTD, annualized)

38.11%+243 bps YoY

Net Worth / Assets

16.59%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.11%0.03%3.69%4.17%4.17%0.03%2.98%3.41%-76 bps
Return on Equity17.75%0.18%22.21%23.66%22.51%0.17%18.91%20.55%-311 bps
Net Interest Margin4.90%2.06%5.70%6.49%6.18%2.18%5.13%5.51%-98 bps
Efficiency Ratio36.52%98.72%35.24%35.68%32.55%98.84%41.77%38.11%+243 bps
Growth
Asset Growth (YoY)-5.19%-4.29%-3.39%-0.28%-1.03%-0.11%4.51%4.57%+484 bps
Loan Growth (YoY)8.76%3.11%0.38%9.33%10.73%4.70%9.27%-5.94%-1,527 bps
Share Growth (YoY)-6.79%-2.60%-4.23%-1.05%-2.20%-0.16%5.55%5.40%+645 bps
Asset Quality
Delinquent Loans / Loans0.00%0.48%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.72%1.70%1.75%1.61%1.55%1.62%1.60%1.71%+10 bps
Capital
Risk-Based Capital17.53%14.96%16.62%17.64%18.50%15.00%15.79%16.59%-105 bps
Net Worth / Assets17.53%14.96%16.62%17.64%18.50%15.00%15.79%16.59%-105 bps
Liquidity & Funding
Loans / Shares26.51%25.63%26.65%28.95%30.02%26.88%27.59%25.84%-311 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps