Credit Union Safety Analysis
Is Firefighters Credit Union Safe? Salt Lake City, Utah
Based on its Q2 2026 NCUA 5300 call report, Firefighters Credit Union has a net worth ratio of 10.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.16%, 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 10.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.46%
- Delinquency ratio (60+ days) (Q2 2026): 0.16%
- Return on assets (Q2 2026): 0.46%
- Loan-to-share ratio (Q2 2026): 70.62%
Firefighters Credit Union (NCUA charter 67079, established 1929) reported $69.6M in assets and 3,470 members for Q2 2026 from Salt Lake City, Utah. It ranks 24 of 50 credit unions in Utah by total assets. Total assets grew 4.4% from $66.7M on June 30, 2025. It has 13 more members than on June 30, 2025 (+0.4%). Its net worth ratio was down 0.31 percentage points from 10.77% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $21.1M of $43.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.16% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.38% for Q1 2026; 10.77% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.49% for Q1 2026; 0.73% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.29% for Q1 2026; 0.39% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 72.85% for Q1 2026; 75.33% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $21.1M
- Used vehicle loans: $12.6M
- Other secured non-real estate loans and lines of credit: $4.1M
- New vehicle loans: $3.9M
- Unsecured credit card loans: $886K
- Other unsecured loans and lines of credit: $769K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $69.6M | 10.46% | 0.16% | 0.46% | 70.62% |
| March 31, 2026 | $69.4M | 10.38% | 0.49% | -0.29% | 72.85% |
| December 31, 2025 | $69.0M | 10.51% | 0.74% | 0.08% | 73.28% |
| September 30, 2025 | $67.3M | 10.79% | 0.62% | 0.47% | 74.91% |
| June 30, 2025 | $66.7M | 10.77% | 0.73% | 0.39% | 75.33% |
| March 31, 2025 | $64.7M | 11.01% | 1.05% | 0.33% | 77.39% |
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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 67079) · FFIEC NIC profile (RSSD 519490)
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 10.46%, 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 67079): 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 10.46%, delinquency 0.16%, ROA 0.46%, loan-to-share 70.62%.
What happens to my money if Firefighters Credit Union fails?
For Q2 2026, Firefighters Credit Union held $61.4M in shares and deposits for 3,470 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.