Duluth Fire Department Credit Union Duluth, Minnesota
Duluth Fire Department Credit Union is a state-chartered credit union headquartered in Duluth, MN, established in 1914 (NCUA charter 60750), and it is regulated and insured by the NCUA. At Q2 2026 it reported 362 members and total assets of $7.5M (up 5.5% from Q2 2025), the 70th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 17.76% at Q2 2026, in the well capitalized band.
Also written as Duluth Fire Department CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60750
- Headquarters
- Duluth, MN
- Established
- 1914
- Total assets, Q2 2026
- $7.5M
- Assets vs Q2 2025
- +5.5%
- Members, Q2 2026
- 362
- Net worth ratio, Q2 2026
- 17.76%
- Latest call report
- Q2 2026, NCUA 5300 · Duluth Fire Department Credit Union call report
- Asset rank in state
- 70th of 79 in Minnesota
- Routing number
- 291973658
- Branches
- 1
It has 2 more members than on June 30, 2025 (+0.6%). Its net worth ratio was down 0.54 percentage points from 18.30% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $2.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.76% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Minnesota
Frequently asked about Duluth Fire Department Credit Union
How big is Duluth Fire Department Credit Union?
At Q2 2026 it reported total assets of $7.5M and 362 members.
Where is Duluth Fire Department Credit Union headquartered?
It is headquartered in Duluth, MN, United States.
When was Duluth Fire Department Credit Union founded?
It was established in 1914, per NCUA records.
Is Duluth Fire Department Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60750): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Duluth Fire Department Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Duluth Fire Department Credit Union well capitalized?
Its net worth ratio was 17.76% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Duluth Fire Department Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Duluth Fire Department Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 40.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Duluth, MN 55802
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1914
- NCUA Charter #
- 60750
- RSSD ID
- 439990
- Members
- 362
- Potential members
- 372
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.76% | 14.31% | 67th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.98% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -5.52% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 0.79% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 224.07% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 3.17% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.31% | 0.86% | 77th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.95% | 4.70% | 18th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 40.00% | 58.92% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$7.5M total assets against $7.1M; $6.2M total shares and deposits against $5.8M; $2.5M total loans against $2.8M.
$1.3M net worth against $1.3M.
17.76% net worth ratio against 18.30%.
40.00% loan-to-share ratio against 48.20%.
0.31% delinquency ratio.
-0.98% return on assets against -0.41%; -5.52% return on equity against -2.22%.
0.79% net interest margin against 1.14%.
362 members against 360.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.76% | -0.98% | 0.31% | 40.00% |
| March 31, 2026 | 17.66% | 1.93% | 0.34% | 41.24% |
| December 31, 2025 | 17.76% | -0.81% | — | 43.85% |
| September 30, 2025 | 17.70% | 1.48% | — | 44.09% |
| June 30, 2025 | 18.30% | -0.41% | — | 48.20% |
| March 31, 2025 | 19.17% | 2.09% | — | 51.61% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.