# FIREFIGHTERS & COMPANY
DAYTON, OH · NCUA charter 395 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/firefighters-and-company-395

Who the members are: federal charter, community charter, organized 1935, low-income designated. 7,194 members of 799,999 potential (0.9% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $129.4M |
| Members | 7,194 (-3.2% YoY) |
| Full-time staff | 18 |
| Net worth | $12.1M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 0.53% (p39 of band) |
| Total delinquency | 1.16% (p79 of band) |
| Net charge-offs (annualized) | 0.75% (p82 of band) |
| Loans / shares | 77% (p63 of band) |
| Cash / assets | 10.8% |
| Borrowings / assets | 5.02% |
| Net interest margin | 3.73% (p54 of band) |
| Operating expense / assets | 2.76% (p19 of band) |
| Vehicles % of loans | 64% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.30% (p80 of band) |
| Vehicle NCO | 0.81% (p66 of band) |
| Repossessed % of vehicle book | 0.07% (p76 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 34% |
| Average share balance | $8,040 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $855,635 |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $15,754 |
| Loans granted, annualized | $29.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $855,635 outstanding purchased (7.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.4% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 | members leaving | net worth falling, delinquency rising |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 0 |  | members leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | auto monoline |  |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 0 |  | auto monoline, net worth falling |
| 2020-12 | 1 | auto monoline |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 3 | delinquency 2x band, delinquency rising | net worth falling |
| 2022-09 | 2 |  | delinquency 2x band |
| 2022-12 | 2 | net worth falling | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 2 | leaning on borrowings |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 3 | delinquency 2x band | net worth falling |
| 2025-12 | 3 | members leaving | delinquency 2x band |
| 2026-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-08-26 [Ohio credit unions with firefighter roots merge - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQcndCQVd0QUhJTnBxTzV3NE9BeFl6eGNkeVNOY2k5MjFYcURIczVSZ29YdnRwc29nVDl0SEEwd2ttSGFWWTRDM20wbnhPLWVmZDRaeXp6ZjNfRjdWX1pyNkZnMjFqZTUyandqYkxvbnctTDBrTDBtUFR5a0VyT09pYTBYY1FIM2xnX185cHItc0hMUU83RDFiNkVNQ0w?oc=5) · American Banker
- 2026-03-16 [With Fraud on the Rise, Local Credit Unions Host Roundtable with Law Enforcement, Community Stakeholders on Efforts to Prevent Scams - Mercer County Outlook](https://news.google.com/rss/articles/CBMihAJBVV95cUxOZkFhUlpzLVJSWFVvYUhPbURPei1udFd1UllUaTdxdXdkblVjTGFiTG1DR25uTWd1VU04VTBPdU50RDVrQWw2bkh2NndHMllsV2pqZFlxZFhIWFV2M3BZam5Vb2xBNzY2b3hFWW9jTmpKUEFmemhTeFRYSnJQU2FPSkNOazBYUEY1NFYzb0ZuU3I1eERMcVBnd2pJcHVvLWZPRVJhVzUwc1YyLTZldkR0d1RwdDVMMHJxZmVmNzZvV25VTmxCeTI0amsxMWhIMGVnVFhjRGYxZVZ2MDNzM1dmMk5wWks0X1Bxb2o2QlBac2FaN3JzT0FzeVY0R3dLRFp5SjhlVg?oc=5) · Mercer County Outlook
- 2026-03-16 [Miami Valley credit unions and police step up scam warnings as fraud increases - WKEF](https://news.google.com/rss/articles/CBMitAFBVV95cUxQa1QtUmFRQXFLNzBUX1E1THlDMnE0M0duczVUQUNHQWlSQkZYNk9BSjJnWFJaRGdCNjZnNjB5cV9ZRHozbzlHVnUyZlBOOUNjYkdmRVZ6TFl2WGdlNDBiUzZzNi1OTDdVNTVabWVBakdjTG96R2pidkZUUTBDRHNEYmF5OXhObk1ULUtUaXR6dUxfdkFvcWQ3MVVWT2x4d29BT2dzeHVEb00tcWhJNmoyZVpSTWg?oc=5) · WKEF
- 2019-10-15 [Two Dayton-area credit unions merge - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOS0JMbHNCRkU2eFBMRmJvWUhkZktlNzJaRWlRM1A1VTRWNnNVMUUzazFFc3A0UW9JRjh6UFIxUExoNUVJRmxMLWRqa2s0ZmRQUEp4RVgtS0toSnhjc3JVb2s0cEhtTnRtRlo4d2NxU3ZQek5COUJSQVUxa1A1Q3lwX3NDaS0ydXQ5ZXZUVUprdm9QbENBY3c?oc=5) · The Business Journals
- 2020-03-22 [Minnie MAKUPSON Obituary (1924 - 2020) - Dayton, OH - Dayton Daily News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOS05jTl9RVFRzMEV5anNPMGpTSi01ZUEtcjVFOEc5MmxzdEVPZkk0Z3gwTUhXendGUklVcUxlWFF4OU1nbi16OTRNOFoxRmxLUnBmTnc5VnZzU2V1clRQVXRTV2N5LUxiNWdwM0kxeDhGTTlSc25MY2JrRmV6UGJTMzM4LUQ5c05CVk9Fdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=395 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "395", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=395
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide