Charlotte Fire Department Credit Union
Total assets
$54.5M
▲ +2.0% YoY
Shares & deposits
$46.4M
▲ +0.2% YoY
Loans
$19.3M
▼ -7.9% YoY
Members
3,016
▲ +0.1% YoY
ROA (annualized)
0.93%
peers 0.60%
ROE (annualized)
6.56%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -7.9% | -2.4% | -5.6 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 2121 Commonwealth Ave, Charlotte, NC, 28205
- NCUA charter #
- 63566
- RSSD ID
- 955892
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.5M | $46.4M | $19.3M | $7.7M | $127K | 0.93% | 3.59% | 1.20% | 3,016 |
| Q4 2025 | $53.7M | $45.6M | $20.3M | $7.6M | $557K | 1.04% | 3.60% | 1.30% | 3,007 |
| Q3 2025 | $53.2M | $45.1M | $21.0M | $7.4M | $403K | 1.01% | 3.57% | 1.52% | 3,005 |
| Q2 2025 | $53.3M | $45.9M | $20.7M | $7.2M | $179K | 0.67% | 3.45% | 1.24% | 3,001 |
| Q1 2025 | $53.5M | $46.3M | $21.0M | $7.1M | $74K | 0.56% | 3.29% | 0.96% | 3,012 |
| Q4 2024 | $52.7M | $45.4M | $20.5M | $7.0M | $45K | 0.09% | 2.88% | 1.01% | 3,018 |
| Q3 2024 | $52.0M | $45.2M | $21.1M | $6.9M | $-60K | -0.15% | 2.90% | 0.80% | 2,992 |
| Q2 2024 | $52.0M | $45.4M | $22.2M | $7.0M | $-26K | -0.10% | 2.81% | 0.04% | 2,984 |
Loan mix (Q1 2026): real estate $1.7M · commercial $0 · consumer $17.3M · securities $22.1M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.83% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 81.5% | 39th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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