Firemans Credit Union Birmingham, Alabama
Firemans Credit Union is a state-chartered credit union headquartered in Birmingham, AL, established in 1929 (NCUA charter 64594), and it is regulated and insured by the NCUA. At Q2 2026 it reported 972 members and total assets of $7.4M (up 5.0% from Q2 2025), the 73rd largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 35.86% at Q2 2026, in the well capitalized band.
Also written as Firemans 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
- 64594
- Headquarters
- Birmingham, AL
- Established
- 1929
- Total assets, Q2 2026
- $7.4M
- Assets vs Q2 2025
- +5.0%
- Members, Q2 2026
- 972
- Net worth ratio, Q2 2026
- 35.86%
- Latest call report
- Q2 2026, NCUA 5300 · Firemans Credit Union call report
- Asset rank in state
- 73rd of 87 in Alabama
- Branches
- 4
It has 29 more members than on June 30, 2025 (+3.1%). Its net worth ratio was down 0.65 percentage points from 36.51% on June 30, 2025. New vehicle loans are its largest loan category, $1.7M of $3.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 35.86% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Alabama
Frequently asked about Firemans Credit Union
How big is Firemans Credit Union?
At Q2 2026 it reported total assets of $7.4M and 972 members.
Where is Firemans Credit Union headquartered?
It is headquartered in Birmingham, AL, United States.
When was Firemans Credit Union founded?
It was established in 1929, per NCUA records.
Is Firemans Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64594): 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 Firemans 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 Firemans Credit Union well capitalized?
Its net worth ratio was 35.86% 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 Firemans Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Firemans Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Birmingham, AL 35203
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1929
- NCUA Charter #
- 64594
- RSSD ID
- 722290
- Members
- 972
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 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: 11.14% to 19.38% | 35.86% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.21% | 0.72% | 71st above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.36% | 4.74% | 41st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.28% | 3.93% | 64th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 43.14% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 3.10% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.80% | 0.86% | 53rd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 7.38% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 77.48% | 58.92% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$7.4M total assets against $7.1M; $4.7M total shares and deposits against $4.5M; $3.7M total loans against $3.5M.
$2.7M net worth against $2.6M.
35.86% net worth ratio against 36.51%.
77.48% loan-to-share ratio against 78.96%.
0.80% delinquency ratio against 2.80%.
1.21% return on assets against 1.36%; 3.36% return on equity against 3.71%.
4.28% net interest margin against 3.51%.
972 members against 943.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 35.86% | 1.21% | 0.80% | 77.48% |
| March 31, 2026 | 36.33% | 0.49% | 0.37% | 75.58% |
| December 31, 2025 | 36.67% | -0.35% | 0.39% | 78.35% |
| September 30, 2025 | 37.16% | -0.16% | 2.32% | 82.47% |
| June 30, 2025 | 36.51% | 1.36% | 2.80% | 78.96% |
| March 31, 2025 | 36.78% | 0.70% | 3.32% | 77.60% |
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.