FIREFIGHTERS COMMUNITY CU vs IH CREDIT UNION, INC.
Side-by-side comparison based on NCUA quarterly call report data.
Financial Metrics Comparison
| Metric | FIREFIGHTERS COMMUNITY CU | IH CREDIT UNION, INC. |
|---|---|---|
| Health Score 0–100, higher is better | 58 | 58 |
| Total Assets | $354.1M | $356.0M |
| Members | 28,800 | 20,040 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 5.71% | 15.18% |
| Delinquency Rate Lower = fewer past-due loans | 0.84% | 2.02% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 77.51% | 75.08% |
| Member Growth Year-over-year membership change | -4.0% | -7.4% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | FIREFIGHTERS COMMUNITY CU | IH CREDIT UNION, INC. |
|---|---|---|
| Location | Cleveland, OH | SPRINGFIELD, OH |
| Charter Type | Federal | Federal |
| Field of Membership | Other | Other |
| Peer Group | $100M–$500M | $100M–$500M |
| Charter Number | 96723 | 97104 |
What This Comparison Says About FIREFIGHTERS COMMUNITY CU vs IH CREDIT UNION, INC.
FIREFIGHTERS COMMUNITY CU (Cleveland, OH) and IH CREDIT UNION, INC. (SPRINGFIELD, OH) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. FIREFIGHTERS COMMUNITY CU holds $354.1M in assets across 28,800 members, while IH CREDIT UNION, INC. holds $356.0M across 20,040 members. Both institutions post health scores of 58/100 and 58/100, a narrow spread that suggests similar overall financial profiles despite differences in size. Charter numbers 96723 and 97104 indicate entirely separate NCUA supervisory records; they operate under peer groups $100M–$500M and $100M–$500M respectively.
Capital adequacy is the first check: FIREFIGHTERS COMMUNITY CU's net worth ratio of 5.71% is measured against the NCUA's 7.0% "well capitalized" bar, while IH CREDIT UNION, INC. posts 15.18%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 0.84% for FIREFIGHTERS COMMUNITY CU and 2.02% for IH CREDIT UNION, INC.; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 77.51% and 75.08% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: FIREFIGHTERS COMMUNITY CU is currently defined as "Other" and IH CREDIT UNION, INC. as "Other", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." FIREFIGHTERS COMMUNITY CU shows 5.71% vs IH CREDIT UNION, INC. at 15.18%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. FIREFIGHTERS COMMUNITY CU: 0.84% — IH CREDIT UNION, INC.: 2.02%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.