Credit Union Safety Analysis
Is Charlotte Fire Department Credit Union Safe? Charlotte, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Charlotte Fire Department Credit Union has a net worth ratio of 14.00%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.59%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Charlotte Fire Department Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Charlotte Fire Department Credit Union's net worth ratio is 14.00%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.00%
- Delinquency ratio (60+ days) (Q2 2026): 1.59%
- Return on assets (Q2 2026): 0.84%
- Loan-to-share ratio (Q2 2026): 39.40%
Charlotte Fire Department Credit Union (NCUA charter 63566, established 1955) reported $56.0M in assets and 3,010 members for Q2 2026 from Charlotte, North Carolina. It ranks 34 of 56 credit unions in North Carolina by total assets. Total assets grew 5.1% from $53.3M on June 30, 2025. It has 9 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.46 percentage points from 13.54% on June 30, 2025. Used vehicle loans are its largest loan category, $8.5M of $18.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.59% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.15% for Q1 2026; 13.54% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.20% for Q1 2026; 1.24% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.93% for Q1 2026; 0.78% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 41.69% for Q1 2026; 45.20% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.5M
- New vehicle loans: $4.7M
- Other unsecured loans and lines of credit: $3.6M
- 1- to 4-family residential and other consumer real estate loans: $1.6M
- Other secured non-real estate loans and lines of credit: $331K
- Unsecured credit card loans: $152K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $56.0M | 14.00% | 1.59% | 0.84% | 39.40% |
| March 31, 2026 | $54.5M | 14.15% | 1.20% | 0.93% | 41.69% |
| December 31, 2025 | $53.7M | 14.14% | 1.30% | 1.15% | 44.49% |
| September 30, 2025 | $53.2M | 13.97% | 1.52% | 1.69% | 46.57% |
| June 30, 2025 | $53.3M | 13.54% | 1.24% | 0.78% | 45.20% |
| March 31, 2025 | $53.5M | 13.29% | 0.96% | 0.56% | 45.36% |
Add this badge to your website
Free to use. It shows Charlotte Fire Department Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Charlotte Fire Department Credit Union profile
Regulator records: NCUA credit union profile (charter 63566) · FFIEC NIC profile (RSSD 955892)
Frequently asked questions
Is Charlotte Fire Department Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Charlotte Fire Department Credit Union's net worth ratio is 14.00%, above the 7% NCUA threshold for well capitalized.
Is Charlotte Fire Department Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Charlotte Fire Department Credit Union is a federally insured credit union (NCUA charter 63566): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Charlotte Fire Department Credit Union's key safety ratios?
For Q2 2026, Charlotte Fire Department Credit Union reports net worth 14.00%, delinquency 1.59%, ROA 0.84%, loan-to-share 39.40%.
What happens to my money if Charlotte Fire Department Credit Union fails?
For Q2 2026, Charlotte Fire Department Credit Union held $47.8M in shares and deposits for 3,010 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.