State credit union · TULSA, Oklahoma · NCUA charter #60696
Fire Fighters
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $48.9M
- Total assets
- 2,710
- Members
- 17.0%
- Net-worth ratio
Fire Fighters - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60696: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Fire Fighters - 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)58
- Earnings (ROA)100
- Member growth43
- Liquidity (loan-to-share)100
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.98% | 30% |
| Delinquency Rate | 1.73% | 25% |
| Return on Assets | 1.06% | 15% |
| Member Growth | -1.42% | 15% |
| Loan-to-Share Ratio | 73.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $48.9M | 2,710 |
| 2024Q4 | $45.5M | 2,749 |
| 2023Q4 | $43.6M | 2,812 |
Credit Union Details
- Charter Number
- 60696
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- TULSA
- Data Quarter
- 2025Q4
What This Data Says About Fire Fighters
Fire Fighters is a state credit union headquartered in TULSA, Oklahoma, serving 2,710 members with $48.9M in total assets and $28.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 81/100 (Excellent), anchored by a net worth ratio of 16.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60696 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.73% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 73.99% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.06% on net income of $520K 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 -1.42%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
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 Fire Fighters financially healthy?
Fire Fighters scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.98% net worth ratio and a 1.73% delinquency rate.
How does Fire Fighters compare to other credit unions?
PlainCU's health composite puts Fire Fighters at 81/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Fire Fighters?
Membership eligibility for Fire Fighters depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fire Fighters directly for current membership requirements and application steps.
Is my money safe at Fire Fighters?
Federal credit unions like Fire Fighters 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. Fire Fighters's net worth ratio of 16.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fire Fighters offer compared to banks?
Credit unions like Fire Fighters 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 Fire Fighters 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.