Credit Union Safety Analysis
Is Firefighters & Company Federal Credit Union Safe? Dayton, Ohio
Based on its Q2 2026 NCUA 5300 call report, Firefighters & Company Federal Credit Union has a net worth ratio of 9.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.24%, 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 & Company Federal Credit Union's net worth ratio is 9.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.51%
- Delinquency ratio (60+ days) (Q2 2026): 1.24%
- Return on assets (Q2 2026): 0.70%
- Loan-to-share ratio (Q2 2026): 78.74%
Firefighters & Company Federal Credit Union (NCUA charter 395, established 1935) reported $129.4M in assets and 7,226 members for Q2 2026 from Dayton, Ohio. It ranks 67 of 191 credit unions in Ohio by total assets. Total assets grew 2.6% from $126.1M on June 30, 2025. It has 235 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 0.41 percentage points from 9.10% on June 30, 2025. Used vehicle loans are its largest loan category, $44.4M of $87.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.24% is above 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: 9.33% for Q1 2026; 9.10% 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: 1.16% for Q1 2026; 1.19% 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: 0.53% for Q1 2026; 0.52% 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: 76.62% for Q1 2026; 78.80% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $44.4M
- 1- to 4-family residential and other consumer real estate loans: $19.4M
- New vehicle loans: $11.6M
- Other secured non-real estate loans and lines of credit: $5.2M
- Other unsecured loans and lines of credit: $5.0M
- Unsecured credit card loans: $1.3M
- Commercial loans: $797K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $129.4M | 9.51% | 1.24% | 0.70% | 78.74% |
| March 31, 2026 | $129.4M | 9.33% | 1.16% | 0.53% | 76.62% |
| December 31, 2025 | $130.5M | 9.13% | 1.14% | 0.73% | 77.59% |
| September 30, 2025 | $126.9M | 9.21% | 1.40% | 0.68% | 76.86% |
| June 30, 2025 | $126.1M | 9.10% | 1.19% | 0.52% | 78.80% |
| March 31, 2025 | $122.6M | 9.23% | 0.88% | 0.54% | 79.33% |
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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 & Company Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 395) · FFIEC NIC profile (RSSD 915775)
Frequently asked questions
Is Firefighters & Company Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Firefighters & Company Federal Credit Union's net worth ratio is 9.51%, above the 7% NCUA threshold for well capitalized.
Is Firefighters & Company Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Firefighters & Company Federal Credit Union is a federally insured credit union (NCUA charter 395): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Firefighters & Company Federal Credit Union's key safety ratios?
For Q2 2026, Firefighters & Company Federal Credit Union reports net worth 9.51%, delinquency 1.24%, ROA 0.70%, loan-to-share 78.74%.
What happens to my money if Firefighters & Company Federal Credit Union fails?
For Q2 2026, Firefighters & Company Federal Credit Union held $111.3M in shares and deposits for 7,226 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.