Credit Union Safety Analysis
Is Firefighters Credit Union Safe? Indianapolis, Indiana
Based on its Q2 2026 NCUA 5300 call report, Firefighters Credit Union has a net worth ratio of 12.58%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.27%, 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 12.58%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.58%
- Delinquency ratio (60+ days) (Q2 2026): 0.27%
- Return on assets (Q2 2026): 0.58%
- Loan-to-share ratio (Q2 2026): 36.55%
Firefighters Credit Union (NCUA charter 97052, established 1956) reported $88.1M in assets and 4,788 members for Q2 2026 from Indianapolis, Indiana. It ranks 52 of 118 credit unions in Indiana by total assets. Total assets grew 1.1% from $87.1M on June 30, 2025. It has 127 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was up 0.54 percentage points from 12.04% on June 30, 2025. Used vehicle loans are its largest loan category, $11.6M of $28.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.27% 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: 12.23% for Q1 2026; 12.04% 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: 0.27% for Q1 2026; 0.27% 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: 0.51% for Q1 2026; 0.57% 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: 36.35% for Q1 2026; 40.86% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $11.6M
- 1- to 4-family residential and other consumer real estate loans: $7.5M
- New vehicle loans: $4.5M
- Unsecured credit card loans: $2.0M
- Other secured non-real estate loans and lines of credit: $1.5M
- Other unsecured loans and lines of credit: $603K
- Commercial loans: $375K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $88.1M | 12.58% | 0.27% | 0.58% | 36.55% |
| March 31, 2026 | $89.6M | 12.23% | 0.27% | 0.51% | 36.35% |
| December 31, 2025 | $86.0M | 12.61% | 0.33% | 0.75% | 39.30% |
| September 30, 2025 | $85.6M | 12.48% | 0.31% | 0.89% | 41.43% |
| June 30, 2025 | $87.1M | 12.04% | 0.27% | 0.57% | 40.86% |
| March 31, 2025 | $87.4M | 11.87% | 0.15% | 0.76% | 42.34% |
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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 97052) · FFIEC NIC profile (RSSD 802987)
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 12.58%, 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 97052): 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 12.58%, delinquency 0.27%, ROA 0.58%, loan-to-share 36.55%.
What happens to my money if Firefighters Credit Union fails?
For Q2 2026, Firefighters Credit Union held $76.9M in shares and deposits for 4,788 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.