PackageTrendsPeer
Letter portraitLegal landscape

Firefighters

Draper, UT · Charter 67079

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

25

Q2 2024Q2 2026Peer median (50)

Asset Quality

82

Q2 2024Q2 2026Peer median (50)

Profitability

12

Q2 2024Q2 2026Peer median (50)

Liquidity

95

Q2 2024Q2 2026Peer median (100)

Efficiency

12

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Firefighters

Draper, UT · Charter 67079

NCUA · 2 branches

Q2 2026

$69.6MAssets
$43.4MLoans
$61.4MShares
$7.3MNet 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 0.09%, down 26 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.16% of loans (-57 bps YoY).
  • Capital: net worth / assets of 10.46%, down 31 bps from a year ago.
  • Funding: loans stand at 70.62% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.09%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+12 bps YoY

Efficiency Ratio (YTD, annualized)

93.76%+481 bps YoY

Net Worth / Assets

10.46%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.39%0.30%-0.29%0.09%-26 bps
Return on Equity3.26%3.60%2.88%-2.75%0.86%-240 bps
Net Interest Margin2.60%2.68%2.67%2.69%2.73%+12 bps
Efficiency Ratio88.95%86.92%89.79%101.70%93.76%+481 bps
Growth
Asset Growth (YoY)11.21%9.91%12.02%7.33%4.40%-680 bps
Loan Growth (YoY)-2.21%-1.41%-0.17%0.30%-3.07%-86 bps
Share Growth (YoY)10.85%9.45%11.69%6.55%3.39%-745 bps
Asset Quality
Delinquent Loans / Loans0.73%0.62%0.74%0.49%0.16%-57 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 Capital10.78%10.79%10.51%10.38%10.46%-31 bps
Net Worth / Assets10.78%10.79%10.51%10.38%10.46%-31 bps
Liquidity & Funding
Loans / Shares75.33%74.91%73.28%72.85%70.62%-471 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 2026-10-12

Firefighters

Draper, UT · Charter 67079 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$69.6MAssets
$43.4MLoans
$61.4MShares
$7.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of credit unions under $1B in assets (rank 310 of 1682).
  • Widest gap: net interest margin trails 93% of credit unions under $1B in assets (rank 1565 of 1683).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.09%

Rank 1,450 of 1,683

Net Interest Margin

2.73%

Rank 1,565 of 1,683

Efficiency Ratio

93.71%

Rank 1,481 of 1,682

Equity / Assets

10.47%

Rank 1,260 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.09%0.35%0.74%1.18%Beats 14%1,450 / 1,683
Return on Equity0.85%2.67%5.89%8.74%Beats 15%1,437 / 1,681
Net Interest Margin2.73%3.31%3.82%4.32%Beats 7%1,565 / 1,683
Efficiency Ratio93.71%68.91%78.20%86.93%Beats 12%1,481 / 1,682
Asset Quality
Nonperforming Loans / Loans0.16%0.26%0.65%1.29%Beats 82%310 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.47%10.44%12.89%16.53%Beats 25%1,260 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.47%10.44%12.89%16.53%Beats 25%1,260 / 1,683
Liquidity & Funding
Loans / Deposits70.62%52.61%69.38%83.50%52nd pctl804 / 1,683
Loans / Assets62.30%44.71%59.18%70.72%57th pctl720 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution