HAMMOND FIREFIGHTERS ASSN.
Charter #82762 · Hammond, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.62% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.19% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 72nd — a 42-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 | HAMMOND FIREFIGHTERS ASSN. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.30M | 22th pct | 44th pct |
| Members | 289 | 24th pct | 49th pct |
| Net worth ratio | 29.41% | 85th pct | 70th pct |
| Return on average assets | 1.62% | 85th pct | 82th pct |
| Net interest margin | 5.19% | 82th pct | 82th pct |
| Cost of funds | 0.49% | 50th pct | 54th pct |
| Loan-to-share | 40.30% | 30th pct | 72th pct |
| Delinquency 60+ days | 1.51% | 62th pct | 61th pct |
| Net charge-off ratio | 0.00% | 22th pct | 25th pct |
| Loan growth YoY | 35.55% | 97th pct | 87th pct |
| Share growth YoY | -6.63% | 12th pct | 18th pct |
| Efficiency ratio | 68.66% | 24th pct | 30th pct |
structural peer set hash: bcb1d9223d0674cab1e8d6e4a66db63b… (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.