PFD FIREFIGHTERS CREDIT UNION INC.
Charter #66942 · Portsmouth, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.02% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.04% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 0th — a 17-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 | PFD FIREFIGHTERS CREDIT UNION INC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.77M | 69th pct | 61th pct |
| Members | 2,290 | 57th pct | 44th pct |
| Net worth ratio | 15.04% | 60th pct | 49th pct |
| Return on average assets | 0.57% | 45th pct | 39th pct |
| Net interest margin | 3.02% | 17th pct | 0th pct |
| Cost of funds | 2.04% | 91th pct | 85th pct |
| Loan-to-share | 94.72% | 97th pct | 85th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 52th pct |
| Net charge-off ratio | -0.01% | 22th pct | 20th pct |
| Loan growth YoY | 3.06% | 87th pct | 80th pct |
| Share growth YoY | 1.65% | 41th pct | 48th pct |
| Efficiency ratio | 83.49% | 58th pct | 59th pct |
structural peer set hash: bfdfc1088b56b641dcacb590ea77badd… (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.