Federal credit union · DAYTON, Ohio · NCUA charter #395
Firefighters & Company
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $130.5M
- Total assets
- 7,197
- Members
- 9.3%
- Net-worth ratio
Firefighters & Company scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $130.5M; members 7,197; net-worth ratio 9.33%; health rank #2,892 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,892 of 4,374 health · 2025Q4Firefighters & Company · health 79/100 · $130.5M · 2025Q4
- BOOK 79/100
- CHARTER 9.3%
- NCUSIF 1.14%
- CAMELS 0.43%
- HEALTH $130.5M
- NW 7,197
- DELQ #2,892/4,374
- ROA Okaloosa County Teachers
- ASSETS 395
Call Report peers
Firefighters & Company in the assets neighbourhood
Firefighters & Company's $130.5M assets sit next to Okaloosa County Teachers ($130.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Firefighters & Company vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Firefighters & Company - Share Insurance Coverage
Charter #395'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.
Where Firefighters & Company diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.39 pp (77.59% vs 72.20%).
- Net Worth Ratio trails the peer set - 9.33% here, 12.11% peer average (-2.78 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Firefighters & Company: in-state Call Report ranks
- Ohio health ordinal: #135 of 196.
- By total assets, Firefighters & Company is #66 of 196 in Ohio.
- Member book place in Ohio: #79 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Firefighters & Company: 2025Q4 → 2026Q1
Firefighters & Company: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $130.5M (2025Q4) to $129.4M (2026Q1).
- Net-worth ratio shifted +0.20 pp (9.13% → 9.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 18.9 pts
- Return on Assets 13.9 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 14.9 pts
Firefighters & Company health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.33% | -2.78 pp |
| Delinquency Rate | 1.14% | +0.25 pp |
| Return on Assets | 0.43% | -0.19 pp |
| Member Growth | -3.32% | - |
| Loan-to-Share Ratio | 77.59% | +5.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Firefighters & Company
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $129.4M | - |
| 2025Q4 | $130.5M | 7,197 |
| 2024Q4 | $120.3M | 7,444 |
| 2023Q4 | $112.5M | 7,303 |
Credit Union Details
- Charter Number
- 395
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- DAYTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Firefighters & Company operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Dayton, OH |
| Monarch Branch | Miamisburg, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
- COMMUNITY ONE CREDIT UNION OF OHIONorth Canton, OH · $100M–$500M89Health
- GREATER CINCINNATI SCHOOLCincinnati, OH · $100M–$500M84Health
- PILLARMARION, OH · $100M–$500M91Health
- DAY-METDayton, OH · $100M–$500M92Health
- MEDINA COUNTYWadsworth, OH · $100M–$500M96Health
Compare Firefighters & Company vs COMMUNITY ONE CREDIT UNION OF OHIO
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Firefighters & Company - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($130.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Firefighters & Company ranks #2,892 of 4,374 nationally on financial health and #135 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community One Credit Union of Ohio is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community One Credit Union of Ohio
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Firefighters & Company financially healthy?
Firefighters & Company has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,892 of 4,374; by total assets it ranks #1,599 of 4,374 nationally (same basis as /rankings/largest); and #66 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.33% and delinquency rate of 1.14%.
How does Firefighters & Company compare to other credit unions?
79/100 is Firefighters & Company's score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Firefighters & Company?
Firefighters & Company operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Firefighters & Company directly for the exact boundaries and application steps.
Is my money safe at Firefighters & Company?
Federal credit unions like Firefighters & Company 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. Firefighters & Company's net worth ratio of 9.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Firefighters & Company offer compared to banks?
Credit unions like Firefighters & Company 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 Firefighters & Company directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.