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Letter portraitLegal landscapeQuarterYTD

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