Fireman's Credit Union

Credit UnionFISCUBirmingham, AL·Est. 1929·NCUA #64594Compare ⇄▤ Account brief

Total assets

$7.3M

▲ +4.5% YoY

Shares & deposits

$4.6M

▲ +5.2% YoY

Loans

$3.5M

▲ +2.4% YoY

Members

962

▲ +9.9% YoY

ROA (annualized)

0.49%

peers 0.60%

ROE (annualized)

1.35%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	Fireman's Credit Union	Peer median	Δ
Asset growth (YoY)	+4.5%	+1.3%	+3.2 pts
Share growth (YoY)	+5.2%	+0.7%	+4.5 pts
Loan growth (YoY)	+2.4%	-2.4%	+4.8 pts
ROA	0.49%	0.60%	-0.1 pts
ROE	1.4%	4.1%	-2.7 pts

ROA ranks in the 44th percentile of its peer group · Q1 2026

Profile

Established: 1929
Charter: FISCU
Primary regulator: NCUA
NCUA peer group: Peer group 2
Address: 1808 7Th Ave N, Birmingham, AL, 35203
NCUA charter #: 64594
RSSD ID: 722290
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	$7.3M	$4.6M	$3.5M	$2.6M	$9K	0.49%	3.40%	0.37%	962
Q4 2025	$7.2M	$4.5M	$3.5M	$2.6M	$27K	0.37%	1.00%	0.39%	956
Q3 2025	$7.0M	$4.4M	$3.6M	$2.6M	$33K	0.63%	1.32%	2.32%	947
Q2 2025	$7.1M	$4.5M	$3.5M	$2.6M	$36K	1.02%	3.30%	2.80%	943
Q1 2025	$6.9M	$4.4M	$3.4M	$2.6M	$12K	0.70%	3.15%	3.32%	875
Q4 2024	$7.0M	$4.4M	$3.4M	$2.5M	$73K	1.04%	3.22%	3.47%	869
Q3 2024	$6.9M	$4.3M	$3.5M	$2.5M	$50K	0.97%	3.06%	3.76%	863
Q2 2024	$6.9M	$4.4M	$3.5M	$2.5M	$33K	0.97%	3.13%	2.28%	870

Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $3.3M

Signals what changed in the call reports

Nothing unusual in Q1 2026 — steady quarter.

Earlier quarters (1)

Delinquency up 0.51 pts YoYQ2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Fireman's Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.49%	0.60%	44th
Return on equity Annualized net income ÷ equity or net worth	1.4%	4.1%	30th
Net interest margin Interest income − interest expense, ÷ assets	3.40%	3.83%

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Ratio	Fireman's Credit Union	Peer median
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%

Ratio	Fireman's Credit Union	Trend (8q)	Peer median	Peer percentile
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high	00.0%		00.0%
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up	00.0%		00.0%

Ratio	Fireman's Credit Union	Peer median
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%

Ratio	Fireman's Credit Union	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%