GARY FIREFIGHTERS ASSOCIATION
Charter #169 · Gary, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 43.86% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -4.40% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 3.99% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 11.10% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 246.61% sits at the 92nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GARY FIREFIGHTERS ASSOCIATION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.61M | 25th pct | 46th pct |
| Members | 292 | 24th pct | 48th pct |
| Net worth ratio | 43.86% | 96th pct | 80th pct |
| Return on average assets | -4.40% | 5th pct | 8th pct |
| Net interest margin | 2.88% | 19th pct | 26th pct |
| Cost of funds | 3.99% | 99th pct | 97th pct |
| Loan-to-share | 51.90% | 42th pct | 66th pct |
| Delinquency 60+ days | 11.10% | 95th pct | 87th pct |
| Net charge-off ratio | 0.00% | 22th pct | 26th pct |
| Loan growth YoY | -6.68% | 42th pct | 31th pct |
| Share growth YoY | -4.15% | 21th pct | 28th pct |
| Efficiency ratio | 246.61% | 98th pct | 92th pct |
structural peer set hash: 1029f4f0f913643bd73cff592b5e7fd2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.