State credit union · DES MOINES, Iowa · NCUA charter #64943
Des Moines Fire Department
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $3.4M
- Total assets
- 934
- Members
- 17.9%
- Net-worth ratio
Des Moines Fire Department - Share Insurance Coverage
Charter #64943's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Des Moines Fire Department - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.87% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 2.11% | 15% |
| Member Growth | 0.65% | 15% |
| Loan-to-Share Ratio | 84.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.4M | 934 |
| 2024Q4 | $3.4M | 928 |
| 2023Q4 | $3.5M | 915 |
Credit Union Details
- Charter Number
- 64943
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Iowa
- City
- DES MOINES
- Data Quarter
- 2025Q4
What This Data Says About Des Moines Fire Department
934 members and $3.4M in total assets sit behind Des Moines Fire Department, a state credit union in DES MOINES, Iowa, which posts a health score of 92/100 (Excellent) on the five-factor composite, with $2.2M in outstanding loans as of Q4 2025 and a net worth ratio of 17.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64943 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.76% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 84.09% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.11% on net income of $72K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.65%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Des Moines Fire Department financially healthy?
A 17.87% net worth ratio and a 0.76% delinquency rate feed into Des Moines Fire Department's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Des Moines Fire Department compare to other credit unions?
92/100 is Des Moines Fire Department's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Des Moines Fire Department?
Membership eligibility for Des Moines 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 Des Moines Fire Department directly for current membership requirements and application steps.
Is my money safe at Des Moines Fire Department?
Federal credit unions like Des Moines Fire Department are 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. Des Moines Fire Department's net worth ratio of 17.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Des Moines Fire Department offer compared to banks?
Credit unions like Des Moines Fire Department are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Des Moines Fire Department directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.