WATERLOO FIREMEN'S
Charter #65193 · Waterloo, IA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 322 sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of 2.08% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 49.46% ranks in the 5th 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 | WATERLOO FIREMEN'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.84M | 39th pct | 10th pct |
| Members | 322 | 27th pct | 2th pct |
| Net worth ratio | 13.11% | 27th pct | 41th pct |
| Return on average assets | 2.08% | 92th pct | 92th pct |
| Net interest margin | 4.10% | 52th pct | 36th pct |
| Cost of funds | 1.41% | 76th pct | 52th pct |
| Loan-to-share | 90.95% | 88th pct | 77th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | 6.01% | 90th pct | 92th pct |
| Share growth YoY | 1.68% | 62th pct | 49th pct |
| Efficiency ratio | 49.46% | 8th pct | 5th pct |
structural peer set hash: 8e42b499bc44a62f3733cbda3d3258c1… (reproducible)
Closest structural peers
This is the free public view
Claim WATERLOO FIREMEN'S
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.