Federal credit union · Cleveland, Ohio · NCUA charter #96723
Firefighters Community Cu
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $354.1M
- Total assets
- 28,800
- Members
- 9.7%
- Net-worth ratio
Firefighters Community Cu scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $354.1M; members 28,800; net-worth ratio 9.73%; health rank #2,325 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,325 of 4,374 health · 2025Q4Firefighters Community Cu · health 83/100 · $354.1M · 2025Q4
- DELQ 83/100
- ROA 9.7%
- ASSETS 0.84%
- MEM 0.49%
- RANK $354.1M
- PHOTO 28,800
- BOOK #2,325/4,374
- CHARTER Waterbury Connecticut Teachers
- NCUSIF 96723
Call Report peers
Firefighters Community Cu in the assets neighbourhood
Firefighters Community Cu's $354.1M assets sit next to Waterbury Connecticut Teachers ($354.2M) 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 Community Cu 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
83 46th percentile higher than 46% 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 Community Cu - Share Insurance Coverage
Charter #96723'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.
Firefighters Community Cu vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 77.51% vs peer 72.20% (+5.31 pp).
- Largest lag: Net Worth Ratio at 9.73% vs peer 12.11% (-2.38 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for Firefighters Community Cu
- Ohio health ordinal: #102 of 196.
- Assets rank #29 of 196 inside Ohio ($354.1M reported).
- Membership ranks #22 of 196 among Ohio CUs with a reported count (28,800 members).
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 Community Cu Call Report trajectory
Firefighters Community Cu: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $354.1M (2025Q4) to $355.6M (2026Q1).
- Net-worth ratio shifted +0.15 pp (9.58% → 9.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 21.6 pts
- Return on Assets 14.8 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 15.5 pts
Firefighters Community Cu vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.73% | -2.38 pp |
| Delinquency Rate | 0.84% | -0.05 pp |
| Return on Assets | 0.49% | -0.13 pp |
| Member Growth | -4.02% | - |
| Loan-to-Share Ratio | 77.51% | +5.31 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).
Firefighters Community Cu filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $355.6M | - |
| 2025Q4 | $354.1M | 28,800 |
| 2024Q4 | $343.9M | 30,006 |
| 2023Q4 | $330.1M | 30,988 |
Credit Union Details
- Charter Number
- 96723
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Cleveland
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, Firefighters Community Cu runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Cleveland, OH |
| St. Clair | Cleveland, OH |
| Emerald | Cleveland, OH |
| North Ridgeville | North Ridgeville, OH |
| Parma | Parma, OH |
| Wellington | Wellington, OH |
| Willoughby | Willoughby, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Firefighters Community Cu
Firefighters Community Cu's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($354.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Firefighters Community Cu ranks #2,325 of 4,374 nationally on financial health and #102 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ih Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ih Credit Union, Inc.
- 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 Community Cu financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Firefighters Community Cu carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,325 of 4,374; by total assets it ranks #940 of 4,374 nationally (same basis as /rankings/largest); and #29 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.73% net worth ratio and a 0.84% delinquency rate.
How does Firefighters Community Cu compare to other credit unions?
Firefighters Community Cu scores 83/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Firefighters Community Cu?
Membership eligibility for Firefighters Community Cu depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Firefighters Community Cu directly for current membership requirements and application steps.
Is my money safe at Firefighters Community Cu?
Federal credit unions like Firefighters Community Cu 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 Community Cu's net worth ratio of 9.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Firefighters Community Cu offer compared to banks?
Credit unions like Firefighters Community Cu 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 Community Cu 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.