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Firefighters Community CU

Cleveland, OH · Charter 96723

NCUA · 7 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 Cleveland, OH 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 Cleveland, OH area (n=39). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

62

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

Firefighters Community CU

Cleveland, OH · Charter 96723

NCUA · 7 branches

Q2 2026

$358.6MAssets
$259.1MLoans
$320.6MShares
$35.3MNet 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 0.75%, up 42 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.61% of loans (-1 bps YoY).
  • Capital: net worth / assets of 9.84%, up 50 bps from a year ago.
  • Funding: loans stand at 80.81% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+44 bps YoY

Efficiency Ratio (YTD, annualized)

79.17%-678 bps YoY

Net Worth / Assets

9.84%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.47%0.58%0.75%0.75%+42 bps
Return on Equity3.51%4.88%6.01%7.68%7.61%+409 bps
Net Interest Margin3.41%3.53%3.54%3.79%3.85%+44 bps
Efficiency Ratio85.95%84.21%82.45%81.22%79.17%-678 bps
Growth
Asset Growth (YoY)3.71%2.66%2.99%2.53%3.18%-53 bps
Loan Growth (YoY)-5.34%-4.20%1.48%5.33%9.84%+1,518 bps
Share Growth (YoY)4.37%2.74%2.85%1.89%2.46%-191 bps
Asset Quality
Delinquent Loans / Loans0.62%0.57%0.84%0.77%0.61%-1 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 Capital9.34%9.56%9.58%9.73%9.84%+50 bps
Net Worth / Assets9.34%9.56%9.58%9.73%9.84%+50 bps
Liquidity & Funding
Loans / Shares75.38%76.47%77.51%78.19%80.81%+543 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

Firefighters Community CU

Cleveland, OH · Charter 96723 · Peer group: credit unions under $1B in assets in the Cleveland, OH area (n=39)

NCUA · 7 branches

Q2 2026

$358.6MAssets
$259.1MLoans
$320.6MShares
$35.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 74% of credit unions under $1B in assets in the Cleveland, OH area (rank 10 of 39).
  • Widest gap: equity / assets trails 82% of credit unions under $1B in assets in the Cleveland, OH area (rank 32 of 39).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.75%

Rank 13 of 39

Net Interest Margin

3.85%

Rank 17 of 39

Efficiency Ratio

79.17%

Rank 16 of 39

Equity / Assets

9.84%

Rank 32 of 39

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.75%0.13%0.49%0.87%Beats 67%13 / 39
Return on Equity7.61%1.01%4.09%7.61%Beats 74%10 / 39
Net Interest Margin3.85%3.28%3.83%4.18%Beats 56%17 / 39
Efficiency Ratio79.17%76.45%81.64%91.75%Beats 62%16 / 39
Asset Quality
Nonperforming Loans / Loans0.61%0.15%0.61%1.88%Beats 54%19 / 39
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.84%10.00%12.89%19.36%Beats 18%32 / 39
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.84%10.00%12.89%19.36%Beats 18%32 / 39
Liquidity & Funding
Loans / Deposits80.81%45.46%53.28%74.29%90th pctl4 / 39
Loans / Assets72.25%36.24%44.98%63.66%95th pctl2 / 39
Brokered Deposits / Depositsn/aNot reported for this institution