State credit union · DULUTH, Minnesota · NCUA charter #60750
Duluth Fire Department
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $7.4M
- Total assets
- 367
- Members
- 15.2%
- Net-worth ratio
Duluth Fire Department - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60750. See our deposit-insurance coverage note.
Duluth Fire Department - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth89
- Liquidity (loan-to-share)66
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.21% 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 | 15.21% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | 3.67% | 15% |
| Loan-to-Share Ratio | 43.85% | 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 | $7.4M | 367 |
| 2024Q4 | $6.7M | 354 |
| 2023Q4 | $6.8M | 352 |
Credit Union Details
- Charter Number
- 60750
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- DULUTH
- Data Quarter
- 2025Q4
What This Data Says About Duluth Fire Department
The five-factor composite scores Duluth Fire Department at 93/100 (Excellent), reflecting a net worth ratio of 15.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in DULUTH, Minnesota, reports 367 members, $7.4M in total assets, and $2.7M in outstanding loans as of Q4 2025 under charter #60750 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.00% 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 43.85% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.57% on net income of $42K 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 3.67%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
- RIVERVIEWSOUTH SAINT PAU, MN · $2M–$10M77Health
- DULUTH POLICE DEPARTMENT EMPLOYEESDULUTH, MN · $2M–$10M91Health
- RED LAKE CO OPRed Lake Falls, MN · $2M–$10M95Health
- MOWER COUNTY CATHOLIC PARISHESAustin, MN · $2M–$10M79Health
- ELECTRIC MACHINERY EMPLOYEESMINNEAPOLIS, MN · $2M–$10M63Health
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 Duluth Fire Department financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Duluth Fire Department carries a financial health score of 93/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.21% net worth ratio and a 0.00% delinquency rate.
How does Duluth Fire Department compare to other credit unions?
Duluth Fire Department scores 93/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Duluth Fire Department?
Membership eligibility for Duluth 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 Duluth Fire Department directly for current membership requirements and application steps.
Is my money safe at Duluth Fire Department?
Federal credit unions like Duluth 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. Duluth Fire Department's net worth ratio of 15.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Duluth Fire Department offer compared to banks?
Credit unions like Duluth 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 Duluth 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.