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Boston Firefighters

Dorchester, MA · Charter 67837

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 assets in the Boston-Cambridge-Newton, MA-NH 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 Boston-Cambridge-Newton, MA-NH area (n=66). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

56

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

Boston Firefighters

Dorchester, MA · Charter 67837

NCUA · 2 branches

Q2 2026

$452.6MAssets
$352.2MLoans
$381.0MShares
$58.5MNet 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 0.75%, down 23 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.68% of loans (-16 bps YoY).
  • Capital: net worth / assets of 12.93%, up 34 bps from a year ago.
  • Funding: loans stand at 92.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.27%-1 bps YoY

Efficiency Ratio (YTD, annualized)

77.87%+670 bps YoY

Net Worth / Assets

12.93%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.01%1.09%0.79%0.75%-23 bps
Return on Equity7.78%7.96%8.38%6.11%5.83%-196 bps
Net Interest Margin3.28%3.28%3.31%3.26%3.27%-1 bps
Efficiency Ratio71.17%70.71%69.54%77.38%77.87%+670 bps
Growth
Asset Growth (YoY)2.60%5.35%4.56%4.17%4.94%+234 bps
Loan Growth (YoY)1.70%3.78%3.69%1.95%1.66%-5 bps
Share Growth (YoY)2.04%5.12%4.06%3.68%5.04%+300 bps
Asset Quality
Delinquent Loans / Loans0.84%0.66%0.82%0.39%0.68%-16 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 Capital12.59%12.64%12.95%12.86%12.93%+34 bps
Net Worth / Assets12.59%12.64%12.95%12.86%12.93%+34 bps
Liquidity & Funding
Loans / Shares95.52%95.88%96.82%93.42%92.45%-307 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 2026-10-11

Boston Firefighters

Dorchester, MA · Charter 67837 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 2 branches

Q2 2026

$452.6MAssets
$352.2MLoans
$381.0MShares
$58.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 65% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 23 of 66).
  • Widest gap: nonperforming loans / loans trails 61% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 41 of 66).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.75%

Rank 25 of 66

Net Interest Margin

3.27%

Rank 33 of 66

Efficiency Ratio

77.87%

Rank 30 of 66

Equity / Assets

12.93%

Rank 38 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.38%0.59%1.00%Beats 62%25 / 66
Return on Equity5.83%2.62%4.89%6.39%Beats 65%23 / 66
Net Interest Margin3.27%2.83%3.27%3.84%Beats 50%33 / 66
Efficiency Ratio77.87%68.43%80.15%87.18%Beats 56%30 / 66
Asset Quality
Nonperforming Loans / Loans0.68%0.08%0.48%1.18%Beats 39%41 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.93%9.84%13.79%17.21%Beats 42%38 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.93%9.84%13.79%17.21%Beats 42%38 / 66
Liquidity & Funding
Loans / Deposits92.45%50.73%71.54%81.61%88th pctl8 / 66
Loans / Assets77.83%40.53%57.05%68.92%88th pctl8 / 66
Brokered Deposits / Depositsn/aNot reported for this institution