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Firefighters

Indianapolis, IN · Charter 97052

NCUA · 1 branch

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 Indianapolis-Carmel-Greenwood, IN 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 Indianapolis-Carmel-Greenwood, IN area (n=17). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

59

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

Indianapolis, IN · Charter 97052

NCUA · 1 branch

Q2 2026

$88.1MAssets
$28.1MLoans
$76.9MShares
$11.1MNet 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 0.55%, down 12 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.27% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.58%, up 54 bps from a year ago.
  • Funding: loans stand at 36.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+12 bps YoY

Efficiency Ratio (YTD, annualized)

80.38%+272 bps YoY

Net Worth / Assets

12.58%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.75%0.75%0.51%0.55%-12 bps
Return on Equity5.56%6.01%5.93%4.18%4.37%-119 bps
Net Interest Margin3.21%3.32%3.31%3.22%3.33%+12 bps
Efficiency Ratio77.66%75.71%77.68%78.78%80.38%+272 bps
Growth
Asset Growth (YoY)5.46%2.99%0.90%2.55%1.09%-436 bps
Loan Growth (YoY)-6.35%-7.06%-11.38%-12.37%-10.14%-379 bps
Share Growth (YoY)5.28%2.57%0.07%2.07%0.45%-483 bps
Asset Quality
Delinquent Loans / Loans0.27%0.31%0.33%0.27%0.27%0 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 Capital12.04%12.48%12.61%12.23%12.58%+54 bps
Net Worth / Assets12.04%12.48%12.61%12.23%12.58%+54 bps
Liquidity & Funding
Loans / Shares40.86%41.43%39.30%36.35%36.55%-431 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

Indianapolis, IN · Charter 97052 · Peer group: credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (n=17)

NCUA · 1 branch

Q2 2026

$88.1MAssets
$28.1MLoans
$76.9MShares
$11.1MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 6 of 17).
  • Widest gap: net interest margin trails 88% of credit unions under $1B in assets in the Indianapolis-Carmel-Greenwood, IN area (rank 15 of 17).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.55%

Rank 10 of 17

Net Interest Margin

3.33%

Rank 15 of 17

Efficiency Ratio

80.45%

Rank 8 of 17

Equity / Assets

12.58%

Rank 10 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.19%0.64%1.29%Beats 41%10 / 17
Return on Equity4.37%1.18%4.37%6.83%Beats 47%9 / 17
Net Interest Margin3.33%3.90%4.45%5.14%Beats 12%15 / 17
Efficiency Ratio80.45%70.94%82.19%89.67%Beats 59%8 / 17
Asset Quality
Nonperforming Loans / Loans0.27%0.25%0.67%1.07%Beats 71%6 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.58%11.07%13.23%17.96%Beats 41%10 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.58%11.07%13.23%17.96%Beats 41%10 / 17
Liquidity & Funding
Loans / Deposits36.55%50.73%68.00%82.61%6th pctl16 / 17
Loans / Assets31.89%39.57%58.53%70.18%12th pctl15 / 17
Brokered Deposits / Depositsn/aNot reported for this institution