# FIREFIGHTERS
Indianapolis, IN · NCUA charter 97052 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/firefighters-97052

Who the members are: state charter, organized 1956. 4,805 members of 10,000 potential (48.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $89.6M |
| Members | 4,805 (-2.2% YoY) |
| Full-time staff | 14 |
| Net worth | $11.0M |
| Net worth ratio | 12.2% (p43 of band) |
| ROA (annualized) | 0.51% (p40 of band) |
| Total delinquency | 0.27% (p26 of band) |
| Net charge-offs (annualized) | 0.13% (p37 of band) |
| Loans / shares | 36% (p9 of band) |
| Cash / assets | 21.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p26 of band) |
| Operating expense / assets | 2.93% (p28 of band) |
| Vehicles % of loans | 58% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.32% (p33 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 26% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 6% |
| Average share balance | $7,993 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $15,384 |
| Loans granted, annualized | $7.8M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loan book shrinking** (`shrink_loans`)

## 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 | losing money |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 0 |  | losing money |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | auto monoline |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | auto monoline |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | auto monoline |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising, loan book shrinking | auto monoline |
| 2026-03 | 2 |  |  |

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

- 2026-06-18 [Boston Firefighters Credit Union rebrands, plans expansion - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNcU9JLWNVejdzUWtDTTVDUDd2c1ZHRmdLdEtoUWduVXhjZE55Z1ZCeGQyNlo5Zl9kdm1tLUp1VktkcTZiQTFWYlZuYjUzRmtmM2N2WTRIdlBBVE1wRjlMTC1ZZGdIajVuMFoxSEp0SUlKYktFYmd5TkJXREx2aldaZ21fRjlvZ1dGNnp4UGl0anlaWVA1ZldIc2t6Y2pTTU52c1FvVUdnOGFzQQ?oc=5) · The Business Journals
- 2026-04-16 [Boston Firefighters Credit Union appoints Elizabeth Adcock as Chief Digital & Information Officer - CUInsight](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQZHRUckZSMzl4czNNRk9QdDMxcXN0UjI1d1l6eFBaMm1jVWljTG1yVG1VelgxY2UtNlFURURoRnJEX01ZZkc1RURUd1VKZzNjZEdRdUdiLWtaeXF2ai1wclBZU0RkdElERlN4MThtR2JRUXhOdmlYeWUyQlh5bWt2ak94V0JVdlpDVUxTSGVRdVIzME1YSnlXTC16NFdPcDE4NWEyMVJMRk1yNlpqMTVlbzlJTl9uZXdfdHgtZFlPa2hNa0x1TWhNNkU3RDdMSlV0N3c?oc=5) · CUInsight
- 2026-03-18 [Firefighters First FCU Spreads Nationwide - CUTimes](https://news.google.com/rss/articles/CBMigwFBVV95cUxNUkY5Ny0tY0NFNGg3dHMyMmJRcEpITWdKODdQdS1pUnpsT1B3Sl9GQlBldUhTbEZjOWxHSTFIamROcjBFUFBRT1g2cFo1OFE5TzJ3dU1CZ1dVV2Y2YURCRHpmS3M4QzdvSi1GTUw3SWZaYVU2RGIyLTZfSkttQUg4M1dKWQ?oc=5) · CUTimes
- 2025-10-01 [Meet Danielle Milner: Boston Firefighters Credit Union’s New CEO - Caught In Dot](https://news.google.com/rss/articles/CBMikAFBVV95cUxPT20xbFBUQzltS1RXY091N1Z4TUMtTXM2TU5jQmNsZ20zWktxamx0X3VxX2tZbERGUHBMZjZyTmFTR3ZVeHdDQzBUSTdRTlRBZW1EeHJmdWJEVXBBZ1g3VUNXRmUwN2JEUHFhVFpidTNNR0dBeDR5UmwxY2ZEeHBic3ZNUGhFU1R2dzZEWmVxUVI?oc=5) · Caught In Dot
- 2026-01-23 [Linda Beth (Haines) Walker Obituary Mar 5, 2018 - Baker Funeral Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE5UeTc5a1NkckFyUzR2dkIzSXVqWVZXME5OVTc3RGxoTmRkS1ZZcTVBTXNJbE13eGNDaE4yUFp1c3BHb0Y4LTBRQ3kzcHpJWXRnN1VqN0ROWFVsOEJkWEsycjJ0TlBCd2F3czJQM3UxejNWNlZX?oc=5) · Baker Funeral Service
- 2024-11-25 [Boston Firefighters Credit Union Presents Check for BPD Health and Wellness - Boston Police Department (.gov)](https://news.google.com/rss/articles/CBMiswFBVV95cUxNY1BJYzVjNkJtSVZZSzR4TVRpUnZVSnczN2pVa0JyWE11dVlPLXhNODBjeUdJZUx2T3h2bDhBVmVGNXJLczQxS2FIN2NWUzVBYjdWX3lXTWNVM0FsUFZRMVBuMWtqQzNQVk9CSzMzRGpWQUN6amJuNVVsWHh1bWlWZWFvVElweUZ3S0hXRkt0SDRSaHZuOURSaFVYUjN3MFkzSmR1LWh5RzI3UXdQZGE2bVcxTQ?oc=5) · Boston Police Department (.gov)
- 2021-11-22 [CEO of Boston Firefighters Credit Union to retire - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxQX2YzWjA0OTByamtpM2twSXdNbHNHTWF4dnFuSmdQSTZNWWNtWmlEYm54Zk5PVlhXdTVUQlJISjhMN0Y5Sk1uWXlpLTlpTERxalBMVE9TTzlsTGwwRzRkMHNURWpkOXRHbWEzYUVmSlBVdDIwUDBUNE5RalVVUXF3UEwyVlZRX1B4b081akg5REpnTFNhbS1FaElzMXpDTFE?oc=5) · American Banker
- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97052 (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/28.json (key "97052", 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=97052
- 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