NORFOLK FIRE DEPARTMENT
Charter #3746 · Norfolk, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.80% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.50% sits at the 80th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 33rd — a 16-point gap showing why the peer definition matters.
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 | NORFOLK FIRE DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.68M | 53th pct | 43th pct |
| Members | 1,995 | 46th pct | 36th pct |
| Net worth ratio | 19.80% | 84th pct | 82th pct |
| Return on average assets | 1.33% | 81th pct | 66th pct |
| Net interest margin | 4.10% | 62th pct | 69th pct |
| Cost of funds | 0.24% | 17th pct | 33th pct |
| Loan-to-share | 31.37% | 11th pct | 25th pct |
| Delinquency 60+ days | 0.47% | 44th pct | 49th pct |
| Net charge-off ratio | 0.50% | 72th pct | 80th pct |
| Loan growth YoY | -13.04% | 3th pct | 5th pct |
| Share growth YoY | -0.33% | 24th pct | 18th pct |
| Efficiency ratio | 69.48% | 25th pct | 34th pct |
structural peer set hash: e6976889b291be8473ade2d33d0c6a97… (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.