State credit union · Charlotte, North Carolina · NCUA charter #63566
Charlotte Fire Department
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $53.7M
- Total assets
- 3,007
- Members
- 14.1%
- Net-worth ratio
Charlotte Fire Department scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.7M; members 3,007; net-worth ratio 14.15%; health rank #3,326 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,326 of 4,374 health · 2025Q4Charlotte Fire Department · health 74/100 · $53.7M · 2025Q4
Call Report peers
Charlotte Fire Department in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Charlotte Fire Department vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Charlotte Fire Department sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Charlotte Fire Department vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +0.53 pp (14.15% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 44.49% here, 62.60% peer average (-18.11 pp).
North Carolina standing for Charlotte Fire Department
- North Carolina health ordinal: #39 of 57.
- By total assets, Charlotte Fire Department is #35 of 57 in North Carolina.
- Member book place in North Carolina: #41 of 57.
- One place up in North Carolina, Greater Kinston (#38) scores 75/100, 1 point higher; one place down, Blue Flame (#40) ties at 74/100.
Quarter path for Charlotte Fire Department
Charlotte Fire Department: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $53.7M (2025Q4) to $54.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (14.14% → 14.15%).
This credit union's 14.15% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Charlotte Fire Department gives up 26 points in total. Delinquency Rate costs the most, 7.3 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.7 pts
- Return on Assets 8.3 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.15% | +0.53 pp |
| Delinquency Rate | 1.30% | +0.34 pp |
| Return on Assets | 0.08% | -0.57 pp |
| Member Growth | -0.36% | - |
| Loan-to-Share Ratio | 44.49% | -18.11 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Charlotte Fire Department quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.5M | - |
| 2025Q4 | $53.7M | 3,007 |
| 2024Q4 | $52.7M | 3,018 |
| 2023Q4 | $51.7M | 2,964 |
Credit Union Details
- Charter Number
- 63566
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- Charlotte
- Data Quarter
- 2025Q4
Branch Locations (2)
Charlotte Fire Department operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CorporateOffice (Main Office) | Charlotte, NC |
| CMC | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Cross-state Call Report peers for Charlotte Fire Department
Using this data
- Charlotte Fire Department ranks #3,326 of 4,374 nationally on financial health and #39 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TELCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TELCO
Frequently Asked Questions
Is Charlotte Fire Department financially healthy?
Charlotte Fire Department has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,326 of 4,374 nationally on health and #39 of 57 in North Carolina. Its net worth ratio is 14.15% and its delinquency rate 1.30%.
How does Charlotte Fire Department compare to other credit unions?
Charlotte Fire Department scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (14.15% vs 13.62%). Its widest shortfall is loan-to-share ratio (44.49% vs 62.60%).
How can I join Charlotte Fire Department?
Membership eligibility for Charlotte Fire Department depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Charlotte Fire Department directly for current membership requirements and application steps.
Is my money safe at Charlotte Fire Department?
Charlotte Fire Department is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Charlotte Fire Department's net worth ratio of 14.15% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.