Waterloo Firemen's Credit Union Waterloo, Iowa
Waterloo Firemen's Credit Union is a state-chartered credit union headquartered in Waterloo, IA, established in 1933 (NCUA charter 65193), and it is regulated and insured by the NCUA. At Q2 2026 it reported 328 members and total assets of $2.9M (up 4.0% from Q2 2025), the 63rd largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 13.29% at Q2 2026, in the well capitalized band.
Also written as Waterloo Firemen's 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
- 65193
- Headquarters
- Waterloo, IA
- Established
- 1933
- Total assets, Q2 2026
- $2.9M
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 328
- Net worth ratio, Q2 2026
- 13.29%
- Latest call report
- Q2 2026, NCUA 5300 · Waterloo Firemen's Credit Union call report
- Asset rank in state
- 63rd of 65 in Iowa
- Routing number
- 273976495
- Branches
- 1
It has 6 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 0.67 percentage points from 12.62% on June 30, 2025. Used vehicle loans are its largest loan category, $1.2M of $2.3M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Iowa
Frequently asked about Waterloo Firemen's Credit Union
How big is Waterloo Firemen's Credit Union?
At Q2 2026 it reported total assets of $2.9M and 328 members.
Where is Waterloo Firemen's Credit Union headquartered?
It is headquartered in Waterloo, IA, United States.
When was Waterloo Firemen's Credit Union founded?
It was established in 1933, per NCUA records.
Is Waterloo Firemen's Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65193): 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 Waterloo Firemen's 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 Waterloo Firemen's Credit Union well capitalized?
Its net worth ratio was 13.29% 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 Waterloo Firemen's Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.01% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Waterloo, IA 50703
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1933
- NCUA Charter #
- 65193
- RSSD ID
- 317593
- Members
- 328
- Potential members
- 400
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.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.29% | 14.31% | 42nd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.34% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 17.63% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.09% | 3.93% | 57th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 42.74% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.17% | 0.78% | 28th below |
| 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% | 5.26% | 4.70% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 91.01% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.9M total assets against $2.8M; $2.5M total shares and deposits against $2.5M; $2.3M total loans against $2.0M.
$389K net worth against $355K.
13.29% net worth ratio against 12.62%.
91.01% loan-to-share ratio against 82.32%.
2.34% return on assets against 2.41%; 17.63% return on equity against 19.12%.
4.09% net interest margin against 4.16%.
328 members against 322.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.29% | 2.34% | — | 91.01% |
| March 31, 2026 | 13.11% | 2.06% | — | 90.95% |
| December 31, 2025 | 12.81% | -1.95% | — | 85.45% |
| September 30, 2025 | 13.27% | 2.06% | — | 87.24% |
| June 30, 2025 | 12.62% | 2.41% | — | 82.32% |
| March 31, 2025 | 12.11% | 1.53% | 1.01% | 84.55% |
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.