Joliet Firefighters Credit Union Joliet, Illinois
Joliet Firefighters Credit Union is a state-chartered credit union headquartered in Joliet, IL, established in 1958 (NCUA charter 65555), and it is regulated and insured by the NCUA. At Q2 2026 it reported 590 members and total assets of $8.3M (up 10.6% from Q2 2025), the 124th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 11.56% at Q2 2026, in the well capitalized band.
Also written as Joliet Firefighters 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
- 65555
- Headquarters
- Joliet, IL
- Established
- 1958
- Total assets, Q2 2026
- $8.3M
- Assets vs Q2 2025
- +10.6%
- Members, Q2 2026
- 590
- Net worth ratio, Q2 2026
- 11.56%
- Latest call report
- Q2 2026, NCUA 5300 · Joliet Firefighters Credit Union call report
- Asset rank in state
- 124th of 185 in Illinois
- Routing number
- 271985268
- Branches
- 3
It has 16 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.43 percentage points from 11.13% on June 30, 2025. Used vehicle loans are its largest loan category, $2.8M of $5.7M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about Joliet Firefighters Credit Union
How big is Joliet Firefighters Credit Union?
At Q2 2026 it reported total assets of $8.3M and 590 members.
Where is Joliet Firefighters Credit Union headquartered?
It is headquartered in Joliet, IL, United States.
When was Joliet Firefighters Credit Union founded?
It was established in 1958, per NCUA records.
Is Joliet Firefighters Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65555): 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 Joliet Firefighters 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 Joliet Firefighters Credit Union well capitalized?
Its net worth ratio was 11.56% 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 Joliet Firefighters Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.24% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Joliet, IL 60431
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 65555
- RSSD ID
- 639398
- Members
- 590
- Potential members
- 690
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 3 of 6 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: 11.14% to 19.38% | 11.56% | 14.31% | 28th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.54% | 0.72% | 81st top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 13.33% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.05% | 3.93% | 18th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 49.65% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.49% | 0.78% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.54% | 4.70% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 77.24% | 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
$8.3M total assets against $7.5M; $7.3M total shares and deposits against $6.7M; $5.7M total loans against $5.3M.
$960K net worth against $836K.
11.56% net worth ratio against 11.13%.
77.24% loan-to-share ratio against 79.38%.
1.54% return on assets against 5.04%; 13.33% return on equity against 45.24%.
3.05% net interest margin against 3.03%.
590 members against 574.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.56% | 1.54% | — | 77.24% |
| March 31, 2026 | 11.30% | 1.67% | — | 77.23% |
| December 31, 2025 | 11.27% | -0.14% | — | 79.40% |
| September 30, 2025 | 10.98% | 2.03% | 0.02% | 77.16% |
| June 30, 2025 | 11.13% | 5.04% | 0.02% | 79.38% |
| March 31, 2025 | 10.94% | -2.75% | 0.02% | 76.42% |
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.