BOISE FIRE DEPARTMENT
Charter #82504 · Boise, ID · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.62% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.89% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 51st — a 30-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 | BOISE FIRE DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.72M | 92th pct | 69th pct |
| Members | 988 | 81th pct | 51th pct |
| Net worth ratio | 16.19% | 44th pct | 54th pct |
| Return on average assets | 0.24% | 43th pct | 28th pct |
| Net interest margin | 2.62% | 14th pct | 3th pct |
| Cost of funds | 2.89% | 96th pct | 90th pct |
| Loan-to-share | 100.33% | 93th pct | 90th pct |
| Delinquency 60+ days | 2.33% | 71th pct | 74th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -4.10% | 56th pct | 39th pct |
| Share growth YoY | -2.82% | 29th pct | 16th pct |
| Efficiency ratio | 71.87% | 27th pct | 43th pct |
structural peer set hash: 0dca72873db346c2205e90cce0496c81… (reproducible)
Closest structural peers
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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.