| Metric | Fireman's Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +6.0% | +0.9% | +5.1 pts |
| Loan growth (YoY) | +4.1% | -2.6% | +6.7 pts |
| ROA | 0.84% | 0.65% | +0.2 pts |
| ROE | 2.4% | 4.4% | -2.0 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.4M | $4.7M | $3.7M | $2.7M | $31K | 0.84% | 3.80% | 0.80% | 972 |
| 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 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fireman's Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $6.9M |
| $4.4M |
| $3.5M |
| $2.5M |
| $33K |
| 0.97% |
| 3.13% |
| 2.28% |
| 870 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.7M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.4% | 80.6% | 4th |
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% |
| Ratio | Fireman's Credit Union | 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% |
| 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 | 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% |
| Ratio | Fireman's Credit Union | 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 2 states (+2 vs 2025). Biggest market: Jefferson, AL, ranked 63rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, AL | 3 | $3.5M* | 0.01% | 63rd |
| Fairfax (City), VA | 1 | $1.2M* | 0.02% | 36th |
Alabama: 238th with 0.00% · Virginia: 237th with 0.00% · Birmingham metro: 93rd, 0.01% · Washington-Arlington-Alexandria metro: 168th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 4