Credit Union Safety Analysis
Is Springfield Firefighters Credit Union Safe? Springfield, Illinois
Based on its Q2 2026 NCUA 5300 call report, Springfield Firefighters Credit Union has a net worth ratio of 16.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Springfield Firefighters Credit Union's net worth ratio is 16.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.59%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 3.87%
- Loan-to-share ratio (Q2 2026): 25.84%
Springfield Firefighters Credit Union (NCUA charter 65256, established 1938) reported $3.4M in assets and 374 members for Q2 2026 from Springfield, Illinois. It ranks 147 of 185 credit unions in Illinois by total assets. Total assets grew 4.6% from $3.2M on June 30, 2025. 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.
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: 15.79% for Q1 2026; 17.64% 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%.
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: 2.98% for Q1 2026; 4.69% 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: 27.59% for Q1 2026; 28.95% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $722K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.4M | 16.59% | — | 3.87% | 25.84% |
| March 31, 2026 | $3.3M | 15.79% | — | 2.98% | 27.59% |
| December 31, 2025 | $3.3M | 15.00% | — | -12.06% | 26.88% |
| September 30, 2025 | $3.3M | 18.50% | — | 4.23% | 30.02% |
| June 30, 2025 | $3.2M | 17.64% | — | 4.69% | 28.95% |
| March 31, 2025 | $3.2M | 16.62% | — | 3.69% | 26.65% |
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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.
Springfield Firefighters Credit Union profile
Regulator records: NCUA credit union profile (charter 65256) · FFIEC NIC profile (RSSD 56294)
Frequently asked questions
Is Springfield Firefighters Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Springfield Firefighters Credit Union's net worth ratio is 16.59%, above the 7% NCUA threshold for well capitalized.
Is Springfield Firefighters Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Springfield Firefighters Credit Union is a federally insured credit union (NCUA charter 65256): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Springfield Firefighters Credit Union's key safety ratios?
For Q2 2026, Springfield Firefighters Credit Union reports net worth 16.59%, delinquency not reported, ROA 3.87%, loan-to-share 25.84%.
What happens to my money if Springfield Firefighters Credit Union fails?
For Q2 2026, Springfield Firefighters Credit Union held $2.8M in shares and deposits for 374 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.