Credit Union Safety Analysis
Is Firefighters Community CU Safe? Cleveland, Ohio
Based on its Q2 2026 NCUA 5300 call report, Firefighters Community CU has a net worth ratio of 9.84%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.61%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Firefighters Community CU's net worth ratio is 9.84%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.84%
- Delinquency ratio (60+ days) (Q2 2026): 0.61%
- Return on assets (Q2 2026): 0.76%
- Loan-to-share ratio (Q2 2026): 80.81%
Firefighters Community CU (NCUA charter 96723, established 1936) reported $358.6M in assets and 28,288 members for Q2 2026 from Cleveland, Ohio. It ranks 29 of 191 credit unions in Ohio by total assets. Total assets grew 3.2% from $347.6M on June 30, 2025. It has 1,230 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was up 0.50 percentage points from 9.34% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $129.5M of $259.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.73% for Q1 2026; 9.34% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.77% for Q1 2026; 0.62% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.75% for Q1 2026; 0.56% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 78.19% for Q1 2026; 75.38% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $129.5M
- Used vehicle loans: $76.1M
- New vehicle loans: $31.7M
- Commercial loans: $8.4M
- Unsecured credit card loans: $6.7M
- Other unsecured loans and lines of credit: $4.9M
- Other secured non-real estate loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $358.6M | 9.84% | 0.61% | 0.76% | 80.81% |
| March 31, 2026 | $355.6M | 9.73% | 0.77% | 0.75% | 78.19% |
| December 31, 2025 | $354.1M | 9.58% | 0.84% | 0.94% | 77.51% |
| September 30, 2025 | $346.4M | 9.56% | 0.57% | 0.74% | 76.47% |
| June 30, 2025 | $347.6M | 9.34% | 0.62% | 0.56% | 75.38% |
| March 31, 2025 | $346.9M | 9.22% | 0.50% | 0.10% | 75.63% |
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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.
Firefighters Community CU profile
Regulator records: NCUA credit union profile (charter 96723) · FFIEC NIC profile (RSSD 533898)
Frequently asked questions
Is Firefighters Community CU well capitalized?
On its Q2 2026 NCUA 5300 call report, Firefighters Community CU's net worth ratio is 9.84%, above the 7% NCUA threshold for well capitalized.
Is Firefighters Community CU FDIC insured?
No. The FDIC insures banks, not credit unions. Firefighters Community CU is a federally insured credit union (NCUA charter 96723): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Firefighters Community CU's key safety ratios?
For Q2 2026, Firefighters Community CU reports net worth 9.84%, delinquency 0.61%, ROA 0.76%, loan-to-share 80.81%.
What happens to my money if Firefighters Community CU fails?
For Q2 2026, Firefighters Community CU held $320.6M in shares and deposits for 28,288 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.