# OMAHA FIREFIGHTERS
Omaha, NE · NCUA charter 66126 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/omaha-firefighters-66126

Who the members are: state charter, organized 1946. 3,625 members of 7,500 potential (48.3% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $77.1M |
| Members | 3,625 (-1.7% YoY) |
| Full-time staff | 8 |
| Net worth | $13.1M |
| Net worth ratio | 17.0% (p81 of band) |
| ROA (annualized) | 0.87% (p60 of band) |
| Total delinquency | 0.03% (p4 of band) |
| Net charge-offs (annualized) | 0.00% (p15 of band) |
| Loans / shares | 34% (p8 of band) |
| Cash / assets | 68.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.55% (p5 of band) |
| Operating expense / assets | 1.93% (p6 of band) |
| Vehicles % of loans | 48% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 27% |
| Average share balance | $10,433 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,473 |
| Loans granted, annualized | $9.5M |

## Flags firing in the latest filing

- none

## 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 | 1 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 1 | members leaving |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | members leaving |
| 2018-09 | 1 | members leaving |  |
| 2018-12 | 1 | delinquency rising | members leaving |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 0 |  | delinquency rising, delinquency 2x band |
| 2019-09 | 2 | delinquency rising, members leaving |  |
| 2019-12 | 2 | net worth falling | delinquency rising |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | delinquency rising, loan book shrinking |  |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 0 |  | net worth falling, loan book shrinking |
| 2021-09 | 2 | delinquency rising, loan book shrinking |  |
| 2021-12 | 2 | net worth falling | loan book shrinking |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | losing money |  |
| 2023-06 | 0 |  | losing money |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 0 |  | delinquency rising, net worth falling |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1
- 2022-03-15 [Tickets now on sale for Guns 'n' Hoses, charity boxing match between Omaha Police and Omaha Fire - KMTV 3 News Now Omaha](https://news.google.com/rss/articles/CBMizwFBVV95cUxOWGhkbEUzSklJaVpuYWhndzI5WjRKRkE2YVYwMFVZUXAzS2dSZ2VpMmw5RnRwS3VqZ2c1NW0xeVhJcUljQ3FkVkF6OUU5NV9WazE0LThtZXZ2UDlqdnhRbGRsUjcwLXBoTW5WeEJKVWcwbFRhZXdIUzhjdkFwSFQ1Yi1xNXJQWm1MLVRsOFhYZzhTaHNqN1F0am9HNVlWeThCVHNhQ3FUTks3UXpRRGsxUEhnVUdVNmhLVWstLUtiRjNxUmpxcjB4QjdqaGEtWGc?oc=5) · KMTV 3 News Now Omaha
- 2026-02-17 [John Olson Obituary (1975 - 2026) - Omaha, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMlVjOXkxNmpfXzBDbjBQVGdJUlpXUVd0cnhDam1ETzhiYkVxdi1aYjA1LVpEdGRxTmt0eTAwZk9Qcy1MaUlsOXVWR3g1bW5JSnFVcGNScmI4RHBHUkl6ZmJMVmx4anNGODZJeEI5TnEzVDlwWGhEZHhrOXJxcldpakxaQVFXQQ?oc=5) · legacy.com
- 2022-12-09 [Investigation unravels scheme to defraud Omaha inmate with Alzheimer’s - WOWT](https://news.google.com/rss/articles/CBMioAFBVV95cUxOSFpNRW5ReHJhU0owZGxqMS0ydllyUHlYSXZRSHlZMWJiN1N0VURjN29xSUpxdWN4dENGZEdMT2ItMzFDcHcxdGxjSTRBSk1VYmxwRFVJd0lfN1B2ekVhWDBjS3E2LUMtZXI0TXVHZHROY3hSM28wdEdUeURRdmZUMjhWRjRqYTFKbkhjNWJkWGt4UjNUN3dsX2hvREZFNWlf0gG0AUFVX3lxTE9jWjZKQUhMemI3dnl1WkZuTjZScXBERzlOWVpsZS1veUdZbFZ2VUlxT2k3Z0RPSzN2YS04ckllMXdTcnhlU1BBcHlxNXRHTW9jTzVyOEdNLWZrVy1LZjQzTU9NVHVSTkZUdXRudGIxNFdSNnB2RkI5SUlHNzNoek1LMnRMNms4czY3ZkFtQmY2anJTeEN0UlhZSFF1QzNQUHBHaGdVREVva3l2bmZkQXN2SFdZSQ?oc=5) · WOWT
- 2016-10-06 [How firefighter credit unions can increase your savings - FireRescue1](https://news.google.com/rss/articles/CBMixgFBVV95cUxNcWJELUZJN1NIQzhzMk12WXV2RVhOMTdwTzc0NW1YcEgyc1FWQ3kwZE1xTXFqSjVXdWNqWndhVFhvTV8tcUF4YnlCRTdTRC1nMDRuZS0yeF9SbThSVmtvZUctVnFRMElGNXdQYThSYlZYTzZ0eU1iQXg5djVEVGtYSFlxa1lrNzk4aXR6T2lhVk1XWEp3NWxKNWoxcC1fZENfQjR6cTNlQk1IdVlaQjMxUFNMWUFfOGprbGV4V2hxRWpTVktQNnc?oc=5) · FireRescue1
- 2026-01-23 [Dangerous cold expected in Omaha through weekend as winter storm continues sweep across US - Omaha World-Herald](https://news.google.com/rss/articles/CBMijwFBVV95cUxONDFUTENyeWtmeVBlUzQxay1QRWM0YWlNZmdWamlXblc4Xzc4TW9Ra1FUSlBNRXJidUhGdldPY2lNSlJ4WkRJdk9vRzB5bm9xUlk4dWpfUlYwX01uMjdjcEdUYUdwTkc3ZU95TnlVc3R3djh2eUtVNzFKSURFUEpHbnJCZGJPTGszTlFsVVk2OA?oc=5) · Omaha World-Herald
- 2016-10-03 [The best firefighter credit unions for auto financing - FireRescue1](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOb3JxS0txaTZid0JER1IyUzB4Y1FSREJsOV9NZkhqb1lLaDIxeDY1ZmRUVjNYUkNZZGVOS2Jzd2NxWDA5QnNfSEdaR2VITC12aVoteXUtTUg3RUs2YzJoWnFTTUNGNU1SZnpfQ0JfazhZTzdYWlhwMzNzVjlLT1dYdWpFblJHSzBHb2ViUm12WlVFMkJGQWdFSG9CTEZ4b1RVeWhPcDJqcW1KcTJBQ2JUSDhuR2ZxZlF3R0lVSTVSa29xWHc?oc=5) · FireRescue1
- 2021-04-25 [Allicyn Schuster Obituary (1999 - 2021) - Papillion, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOREpBUm5sZzM3WWppakloNHRUaTBscEVtVFlFNE4xMWFnVGN0eEZ2RDNNaVhidFNEUENpbzUwS1RkSmVrY1VkUGhfajJVeVdFTEhLZTVSYk9FSG4tekxUMzF6ejgzU25ZaW1IUVlxUmZKUjZKdGUwellObVowQkJDMkFaV1FDOUczLTlubQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66126 (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/14.json (key "66126", 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=66126
- 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