Credit Union Safety Analysis
Is Firefighters Credit Union Safe? La Crosse, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Firefighters Credit Union has a net worth ratio of 16.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, 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 Credit Union's net worth ratio is 16.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 1.43%
- Loan-to-share ratio (Q2 2026): 100.88%
Firefighters Credit Union (NCUA charter 66423, established 1931) reported $133.0M in assets and 4,919 members for Q2 2026 from La Crosse, Wisconsin. It ranks 43 of 98 credit unions in Wisconsin by total assets. Total assets grew 6.1% from $125.3M on June 30, 2025. 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.
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: 16.04% for Q1 2026; 15.58% 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: 0.58% for Q1 2026; 0.63% 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: 1.30% for Q1 2026; 1.06% 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: 101.74% for Q1 2026; 98.62% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $77.9M
- Commercial loans: $18.4M
- Used vehicle loans: $7.6M
- Other secured non-real estate loans and lines of credit: $4.4M
- Other unsecured loans and lines of credit: $1.5M
- New vehicle loans: $1.2M
- Unsecured credit card loans: $249K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $133.0M | 16.12% | 0.57% | 1.43% | 100.88% |
| March 31, 2026 | $130.7M | 16.04% | 0.58% | 1.30% | 101.74% |
| December 31, 2025 | $131.2M | 15.65% | 0.36% | 1.84% | 99.91% |
| September 30, 2025 | $129.1M | 15.44% | 0.39% | 1.28% | 104.21% |
| June 30, 2025 | $125.3M | 15.58% | 0.63% | 1.06% | 98.62% |
| March 31, 2025 | $123.9M | 15.48% | 0.28% | 0.90% | 97.48% |
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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 Credit Union profile
Regulator records: NCUA credit union profile (charter 66423) · FFIEC NIC profile (RSSD 854995)
Frequently asked questions
Is Firefighters Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Firefighters Credit Union's net worth ratio is 16.12%, above the 7% NCUA threshold for well capitalized.
Is Firefighters Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Firefighters Credit Union is a federally insured credit union (NCUA charter 66423): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Firefighters Credit Union's key safety ratios?
For Q2 2026, Firefighters Credit Union reports net worth 16.12%, delinquency 0.57%, ROA 1.43%, loan-to-share 100.88%.
What happens to my money if Firefighters Credit Union fails?
For Q2 2026, Firefighters Credit Union held $110.4M in shares and deposits for 4,919 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.