Firefighters Credit Union La Crosse, Wisconsin
Firefighters Credit Union is a state-chartered credit union headquartered in La Crosse, WI, established in 1931 (NCUA charter 66423), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,919 members and total assets of $133.0M (up 6.1% from Q2 2025), the 43rd largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 16.12% at Q2 2026, in the well capitalized band.
Also written as Firefighters 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
- 66423
- Headquarters
- La Crosse, WI
- Established
- 1931
- Total assets, Q2 2026
- $133.0M
- Assets vs Q2 2025
- +6.1%
- Members, Q2 2026
- 4,919
- Net worth ratio, Q2 2026
- 16.12%
- Latest call report
- Q2 2026, NCUA 5300 · Firefighters Credit Union call report
- Asset rank in state
- 43rd of 98 in Wisconsin
- Routing number
- 291881122
- Branches
- 3
It has 78 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was up 0.54 percentage points from 15.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $77.9M of $111.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 16.12% net worth ratio is above that band's 11.43% median.
Frequently asked about Firefighters Credit Union
How big is Firefighters Credit Union?
At Q2 2026 it reported total assets of $133.0M and 4,919 members.
Where is Firefighters Credit Union headquartered?
It is headquartered in La Crosse, WI, United States.
When was Firefighters Credit Union founded?
It was established in 1931, per NCUA records.
Is Firefighters Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66423): 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 Firefighters 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 Firefighters Credit Union well capitalized?
Its net worth ratio was 16.12% 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 Firefighters Credit Union's delinquency ratio?
Its delinquency ratio was 0.57% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Firefighters Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- La Crosse, WI 54601
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1931
- NCUA Charter #
- 66423
- RSSD ID
- 854995
- Members
- 4,919
- Potential members
- 40,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 16.12% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.43% | 0.81% | 82nd top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.86% | 7.02% | 66th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.86% | 3.70% | 60th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 66.41% | 76.55% | 79th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.77% | 1.24% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.57% | 0.68% | 60th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.64% | 4.92% | 84th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 100.88% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$133.0M total assets against $125.3M; $110.4M total shares and deposits against $105.0M; $111.3M total loans against $103.6M.
$21.4M net worth against $19.5M.
16.12% net worth ratio against 15.58%.
100.88% loan-to-share ratio against 98.62%.
0.57% delinquency ratio against 0.63%.
1.43% return on assets against 1.06%; 8.86% return on equity against 6.79%.
3.86% net interest margin against 3.52%.
4,919 members against 4,997.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.12% | 1.43% | 0.57% | 100.88% |
| March 31, 2026 | 16.04% | 1.30% | 0.58% | 101.74% |
| December 31, 2025 | 15.65% | 1.84% | 0.36% | 99.91% |
| September 30, 2025 | 15.44% | 1.28% | 0.39% | 104.21% |
| June 30, 2025 | 15.58% | 1.06% | 0.63% | 98.62% |
| March 31, 2025 | 15.48% | 0.90% | 0.28% | 97.48% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.