Springfield Firefighters Credit Union Springfield, Illinois
Springfield Firefighters Credit Union is a state-chartered credit union headquartered in Springfield, IL, established in 1938 (NCUA charter 65256), and it is regulated and insured by the NCUA. At Q2 2026 it reported 374 members and total assets of $3.4M (up 4.6% from Q2 2025), the 147th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 16.59% at Q2 2026, in the well capitalized band.
Also written as Springfield 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
- 65256
- Headquarters
- Springfield, IL
- Established
- 1938
- Total assets, Q2 2026
- $3.4M
- Assets vs Q2 2025
- +4.6%
- Members, Q2 2026
- 374
- Net worth ratio, Q2 2026
- 16.59%
- Latest call report
- Q2 2026, NCUA 5300 · Springfield Firefighters Credit Union call report
- Asset rank in state
- 147th of 185 in Illinois
- Routing number
- 271189420
- Branches
- 1
It has 6 more members than on June 30, 2025 (+1.6%). Its net worth ratio was down 1.05 percentage points from 17.64% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $722K of $722K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Illinois
Frequently asked about Springfield Firefighters Credit Union
How big is Springfield Firefighters Credit Union?
At Q2 2026 it reported total assets of $3.4M and 374 members.
Where is Springfield Firefighters Credit Union headquartered?
It is headquartered in Springfield, IL, United States.
When was Springfield Firefighters Credit Union founded?
It was established in 1938, per NCUA records.
Is Springfield Firefighters Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65256): 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 Springfield 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 Springfield Firefighters Credit Union well capitalized?
Its net worth ratio was 16.59% 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 Springfield Firefighters Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 25.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Springfield, IL 62702
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 65256
- RSSD ID
- 56294
- Members
- 374
- Potential members
- 450
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 3 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.59% | 14.31% | 61st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 3.87% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 23.30% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| 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% | 5.97% | 4.70% | 88th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 25.84% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.4M total assets against $3.2M; $2.8M total shares and deposits against $2.7M; $722K total loans against $768K.
$558K net worth against $568K.
16.59% net worth ratio against 17.64%.
25.84% loan-to-share ratio against 28.95%.
3.87% return on assets against 4.69%; 23.30% return on equity against 26.60%.
374 members against 368.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.59% | 3.87% | — | 25.84% |
| March 31, 2026 | 15.79% | 2.98% | — | 27.59% |
| December 31, 2025 | 15.00% | -12.06% | — | 26.88% |
| September 30, 2025 | 18.50% | 4.23% | — | 30.02% |
| June 30, 2025 | 17.64% | 4.69% | — | 28.95% |
| March 31, 2025 | 16.62% | 3.69% | — | 26.65% |
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.