PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.55%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+12 bps YoY

Efficiency Ratio (quarter, annualized)

80.38%+272 bps YoY

Net Worth / Assets

12.58%+54 bps YoY

Discrete quarter, annualized.

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