Firelands Federal Credit Union Bellevue, Ohio
Firelands Federal Credit Union is a federal credit union headquartered in Bellevue, OH, established in 1957 (NCUA charter 11674), and it is regulated and insured by the NCUA. At Q2 2026 it reported 36,716 members and total assets of $579.9M (up 9.9% from Q2 2025), the 18th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 9.62% at Q2 2026, in the well capitalized band.
Also written as Firelands FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 11674
- Headquarters
- Bellevue, OH
- Established
- 1957
- Total assets, Q2 2026
- $579.9M
- Assets vs Q2 2025
- +9.9%
- Members, Q2 2026
- 36,716
- Net worth ratio, Q2 2026
- 9.62%
- Latest call report
- Q2 2026, NCUA 5300 · Firelands Federal Credit Union call report
- Asset rank in state
- 18th of 191 in Ohio
- Routing number
- 241274077
- Branches
- 8
It has 147 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 0.46 percentage points from 9.16% on June 30, 2025. Used vehicle loans are its largest loan category, $123.1M of $354.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.82% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.62% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Ohio
Frequently asked about Firelands Federal Credit Union
How big is Firelands Federal Credit Union?
At Q2 2026 it reported total assets of $579.9M and 36,716 members.
Where is Firelands Federal Credit Union headquartered?
It is headquartered in Bellevue, OH, United States.
When was Firelands Federal Credit Union founded?
It was established in 1957, per NCUA records.
Is Firelands Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 11674): 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 Firelands Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Firelands Federal Credit Union well capitalized?
Its net worth ratio was 9.62% 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 Firelands Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.82% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Firelands Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 67.56% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bellevue, OH 44811
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 11674
- RSSD ID
- 859981
- Members
- 36,716
- Potential members
- 184,962
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 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.62% | 11.43% | 22nd bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.94% | 0.81% | 58th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.75% | 7.02% | 74th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.77% | 3.70% | 54th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 71.00% | 76.55% | 68th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.88% | 1.24% | 11th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.82% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.65% | 4.92% | 85th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 67.56% | 75.66% | 35th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$579.9M total assets against $527.6M; $525.1M total shares and deposits against $480.1M; $354.7M total loans against $329.8M.
$55.8M net worth against $48.3M.
9.62% net worth ratio against 9.16%.
67.56% loan-to-share ratio against 68.69%.
0.82% delinquency ratio against 0.86%.
0.94% return on assets against 1.16%; 9.75% return on equity against 12.72%.
3.77% net interest margin against 4.04%.
36,716 members against 36,569.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.62% | 0.94% | 0.82% | 67.56% |
| March 31, 2026 | 9.55% | 1.38% | 0.84% | 65.73% |
| December 31, 2025 | 9.46% | 1.64% | 0.95% | 67.22% |
| September 30, 2025 | 9.28% | 1.39% | 0.89% | 66.76% |
| June 30, 2025 | 9.16% | 1.16% | 0.86% | 68.69% |
| March 31, 2025 | 9.05% | 0.66% | 0.72% | 70.33% |
Scroll sideways to see every column.
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.