Federal credit union · Los Angeles, California · NCUA charter #24877
Firefighters First
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $2.41B
- Total assets
- 75,498
- Members
- 9.0%
- Net-worth ratio
Firefighters First scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.41B; members 75,498; net-worth ratio 9.03%; health rank #294 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#294 of 4,374 health · 2025Q4Firefighters First · health 96/100 · $2.41B · 2025Q4
- PHOTO 96/100
- BOOK 9.0%
- CHARTER 0.17%
- NCUSIF 0.61%
- CAMELS $2.41B
- HEALTH 75,498
- NW #294/4,374
- DELQ Georgia United
- ROA 24877
Call Report peers
Firefighters First in the assets neighbourhood
Firefighters First's $2.41B assets sit next to Georgia United ($2.42B) 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 First 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
96 Top 7% higher than 93% 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 First - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24877: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Firefighters First diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 92.66% here, 83.90% peer average (+8.76 pp).
- Net Worth Ratio trails the peer set - 9.03% here, 11.18% peer average (-2.15 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Firefighters First: in-state Call Report ranks
- California health ordinal: #25 of 243.
- Assets rank #30 of 243 inside California ($2.41B reported).
- California membership ordinal: #47 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Firefighters First: 2025Q4 → 2026Q1
Firefighters First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $2.41B (2025Q4) to $2.47B (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.18% → 9.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for Firefighters First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -2.15 pp |
| Delinquency Rate | 0.17% | -0.71 pp |
| Return on Assets | 0.61% | +0.11 pp |
| Member Growth | 8.91% | - |
| Loan-to-Share Ratio | 92.66% | +8.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Firefighters First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.47B | - |
| 2025Q4 | $2.41B | 75,498 |
| 2024Q4 | $2.21B | 69,319 |
| 2023Q4 | $2.10B | 64,365 |
Credit Union Details
- Charter Number
- 24877
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Los Angeles
- Data Quarter
- 2025Q4
Branch Locations (17)
The NCUA branch filing lists 17 physical offices for Firefighters First, spread across 16 cities in 6 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Pasadena, CA |
| Bakersfield Regional Office | Bakersfield, CA |
| Bedford Regional Office | Bedford, TX |
| Federal Way Regional Office | Federal Way, WA |
| Garland Regional Office | Garland, TX |
| Nashville HUB | Hendersonville, TN |
| Orange County Regional Office | Irvine, CA |
| San Bernardino/Riverside Regional Office | Loma Linda, CA |
| Memphis Regional Office | Memphis, TN |
| West Palm Beach Regional Office | Palm Springs, FL |
| Pasadena Regional Office | Pasadena, CA |
| Sacramento Regional Office | Roseville, CA |
| Temecula Regional Office | Temecula, CA |
| Arizona Regional Office | Tempe, AZ |
| Thousand Oaks Regional Office | Thousand Oaks, CA |
| Santa Clarita Regional Office | Valencia, CA |
| Walnut Creek Regional Office | Walnut Creek, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Firefighters First nationwide neighbourhoods
Cross-state asset and health neighbours for Firefighters First - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.41B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Firefighters First ranks #294 of 4,374 nationally on financial health and #25 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coast Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coast Central
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 First financially healthy?
Firefighters First has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #294 of 4,374; by total assets it ranks #218 of 4,374 nationally (same basis as /rankings/largest); and #30 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.03% and delinquency rate of 0.17%.
How does Firefighters First compare to other credit unions?
On PlainCU's health composite, Firefighters First lands at 96/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 First?
Firefighters First 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 First directly for the exact boundaries and application steps.
Is my money safe at Firefighters First?
Federal credit unions like Firefighters First 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 First's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Firefighters First offer compared to banks?
Credit unions like Firefighters First 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 First 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.