FIREMAN'S
Charter #64594 · BIRMINGHAM, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 36.33% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.42% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 3.87% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.15% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 59.73% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | FIREMAN'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.26M | 82th pct | 54th pct |
| Members | 962 | 81th pct | 66th pct |
| Net worth ratio | 36.33% | 91th pct | 84th pct |
| Return on average assets | 0.49% | 53th pct | 43th pct |
| Net interest margin | 3.42% | 30th pct | 18th pct |
| Cost of funds | 3.87% | 99th pct | 98th pct |
| Loan-to-share | 75.58% | 71th pct | 52th pct |
| Delinquency 60+ days | 0.37% | 38th pct | 41th pct |
| Net charge-off ratio | 1.15% | 87th pct | 85th pct |
| Loan growth YoY | -3.97% | 57th pct | 38th pct |
| Share growth YoY | 4.78% | 80th pct | 82th pct |
| Efficiency ratio | 59.73% | 15th pct | 15th pct |
structural peer set hash: 7366951a7fc94fffc2b91ab86a66773f… (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.