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Letter portraitLegal landscapeQuarterYTD

PFD Firefighters Credit Union Inc.

Portsmouth, VA · Charter 66942

NCUA · 1 branch

Q2 2026

$34.4MAssets
$28.4MLoans
$29.2MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, up 39 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.07% of loans (-64 bps YoY).
  • Capital: net worth / assets of 14.90%, up 10 bps from a year ago.
  • Funding: loans stand at 97.11% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+1 bps YoY

Efficiency Ratio (YTD, annualized)

83.01%-976 bps YoY

Net Worth / Assets

14.90%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.66%0.27%0.18%0.46%0.48%0.56%0.58%+39 bps
Return on Equity4.79%4.35%1.80%1.23%3.06%3.13%3.73%3.87%+264 bps
Net Interest Margin3.09%3.15%2.73%3.02%3.08%3.12%2.99%3.03%+1 bps
Efficiency Ratio79.65%81.65%91.27%92.78%85.28%85.35%83.49%83.01%-976 bps
Growth
Asset Growth (YoY)-4.94%-6.52%-2.81%2.55%2.28%3.29%3.16%3.95%+140 bps
Loan Growth (YoY)-3.23%-4.84%-7.77%-3.96%-2.46%3.08%6.05%8.05%+1,201 bps
Share Growth (YoY)-5.98%-8.15%-3.34%2.51%1.74%3.52%2.60%3.82%+132 bps
Asset Quality
Delinquent Loans / Loans0.17%0.46%0.77%0.72%0.78%0.50%0.67%0.07%-64 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 Capital14.91%15.23%14.96%14.80%15.01%15.22%15.04%14.90%+10 bps
Net Worth / Assets14.91%15.23%14.96%14.80%15.01%15.22%15.04%14.90%+10 bps
Liquidity & Funding
Loans / Shares97.45%97.37%91.64%93.31%93.42%96.95%94.72%97.11%+380 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps