State credit union · DULUTH, Minnesota · NCUA charter #60750
Duluth Fire Department
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $7.4M
- Total assets
- 367
- Members
- 17.7%
- Net-worth ratio
Duluth Fire Department scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.4M; members 367; net-worth ratio 17.66%; health rank #582 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Duluth Fire Department vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Duluth Fire Department sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Duluth Fire Department: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.75 pp (43.85% vs 63.60%).
Duluth Fire Department in Minnesota
- In Minnesota, health place is #15 of 82 on the same NCUA-ratio sort used nationally.
- Minnesota assets place: #73 of 82.
- Minnesota membership ordinal: #79 of 82.
- One place up in Minnesota, St. Paul (#14) scores 94/100, 1 point higher; one place down, Mayo Employees (#16) ties at 93/100.
Duluth Fire Department Call Report trajectory
Duluth Fire Department: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $7.4M (2025Q4) to $7.7M (2026Q1).
- Net-worth ratio shifted -0.10 pp (17.76% → 17.66%).
This credit union's 17.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Duluth Fire Department gives up 7 points in total. Loan-to-Share Ratio costs the most, 5.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 9.6 pts
Duluth Fire Department vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.66% | -1.40 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.57% | +0.12 pp |
| Member Growth | 3.67% | - |
| Loan-to-Share Ratio | 43.85% | -19.75 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Duluth Fire Department filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Duluth Fire Department.
| Office | City |
|---|---|
| DFDCU (Main Office) | Duluth, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
Other-state peers near Duluth Fire Department
Similar health score
Using this data
- Duluth Fire Department ranks #582 of 4,374 nationally on financial health and #15 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERVIEW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERVIEW
Frequently Asked Questions
Is Duluth Fire Department financially healthy?
On its 2025Q4 NCUA 5300 filing, Duluth Fire Department scores 93/100 (Excellent), with a 17.66% net worth ratio and 0.00% of loans delinquent. It ranks #582 of 4,374 nationally on health and #15 of 82 in Minnesota.
How does Duluth Fire Department compare to other credit unions?
Duluth Fire Department scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (43.85% vs 63.60%).
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?
Duluth 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. Duluth Fire Department's net worth ratio of 17.66% 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.