PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Boston Firefighters

Dorchester, MA · Charter 67837

NCUA · 2 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.84%0.80%0.98%1.01%1.09%0.79%0.75%-23 bps
Return on Equity6.35%6.75%6.46%7.78%7.96%8.38%6.11%5.83%-196 bps
Net Interest Margin3.25%3.22%3.20%3.28%3.28%3.31%3.26%3.27%-1 bps
Efficiency Ratio77.19%75.89%75.60%71.17%70.71%69.54%77.38%77.87%+670 bps
Growth
Asset Growth (YoY)-2.04%-0.86%1.85%2.60%5.35%4.56%4.17%4.94%+234 bps
Loan Growth (YoY)-0.01%-0.43%1.47%1.70%3.78%3.69%1.95%1.66%-5 bps
Share Growth (YoY)2.67%4.45%4.08%2.04%5.12%4.06%3.68%5.04%+300 bps
Asset Quality
Delinquent Loans / Loans0.64%1.11%0.36%0.84%0.66%0.82%0.39%0.68%-16 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 Capital12.30%12.44%12.31%12.59%12.64%12.95%12.86%12.93%+34 bps
Net Worth / Assets12.30%12.44%12.31%12.59%12.64%12.95%12.86%12.93%+34 bps
Liquidity & Funding
Loans / Shares97.12%97.16%95.01%95.52%95.88%96.82%93.42%92.45%-307 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps