Credit Union Safety Analysis
Is Firemans Credit Union Safe? Birmingham, Alabama
Based on its Q2 2026 NCUA 5300 call report, Firemans Credit Union has a net worth ratio of 35.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, 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, Firemans Credit Union's net worth ratio is 35.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 35.86%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 1.21%
- Loan-to-share ratio (Q2 2026): 77.48%
Firemans Credit Union (NCUA charter 64594, established 1929) reported $7.4M in assets and 972 members for Q2 2026 from Birmingham, Alabama. It ranks 73 of 87 credit unions in Alabama by total assets. Total assets grew 5.0% from $7.1M on June 30, 2025. 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.
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: 36.33% for Q1 2026; 36.51% 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: 0.37% for Q1 2026; 2.80% 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: 0.49% for Q1 2026; 1.36% 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: 75.58% for Q1 2026; 78.96% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.7M
- Other unsecured loans and lines of credit: $1.2M
- Used vehicle loans: $819K
- Other secured non-real estate loans and lines of credit: $9K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.4M | 35.86% | 0.80% | 1.21% | 77.48% |
| March 31, 2026 | $7.3M | 36.33% | 0.37% | 0.49% | 75.58% |
| December 31, 2025 | $7.2M | 36.67% | 0.39% | -0.35% | 78.35% |
| September 30, 2025 | $7.0M | 37.16% | 2.32% | -0.16% | 82.47% |
| June 30, 2025 | $7.1M | 36.51% | 2.80% | 1.36% | 78.96% |
| March 31, 2025 | $6.9M | 36.78% | 3.32% | 0.70% | 77.60% |
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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.
Regulator records: NCUA credit union profile (charter 64594) · FFIEC NIC profile (RSSD 722290)
Frequently asked questions
Is Firemans Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Firemans Credit Union's net worth ratio is 35.86%, above the 7% NCUA threshold for well capitalized.
Is Firemans Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Firemans Credit Union is a federally insured credit union (NCUA charter 64594): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Firemans Credit Union's key safety ratios?
For Q2 2026, Firemans Credit Union reports net worth 35.86%, delinquency 0.80%, ROA 1.21%, loan-to-share 77.48%.
What happens to my money if Firemans Credit Union fails?
For Q2 2026, Firemans Credit Union held $4.7M in shares and deposits for 972 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.