Federal credit union · Bellevue, Ohio · NCUA charter #11674
FIRELANDS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $554.6M
- Total assets
- 36,461
- Members
- 9.6%
- Net-worth ratio
FIRELANDS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $554.6M; members 36,461; net-worth ratio 9.55%; health rank #1,327 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,327 of 4,374 health · 2025Q4FIRELANDS · health 89/100 · $554.6M · 2025Q4
- CHARTER 89/100
- NCUSIF 9.6%
- CAMELS 0.95%
- HEALTH 0.79%
- NW $554.6M
- DELQ 36,461
- ROA #1,327/4,374
- ASSETS CHAMPION
- MEM 11674
Call Report peers
FIRELANDS in the assets neighbourhood
FIRELANDS's $554.6M assets sit next to CHAMPION ($554.8M) 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.
FIRELANDS 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
89 Top 31% higher than 69% 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
FIRELANDS - Share Insurance Coverage
Charter #11674'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.
Peer-gap read for FIRELANDS
- Return on Assets leads the peer set - 0.79% here, 0.51% peer average (+0.29 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.68 pp (67.22% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FIRELANDS in Ohio
- In Ohio, health place is #60 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #18 of 196.
- Member book place in Ohio: #18 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.
Quarter path for FIRELANDS
FIRELANDS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $554.6M (2025Q4) to $569.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.46% → 9.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 20.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.7 pts
FIRELANDS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.55% | -1.63 pp |
| Delinquency Rate | 0.95% | +0.08 pp |
| Return on Assets | 0.79% | +0.29 pp |
| Member Growth | 0.79% | - |
| Loan-to-Share Ratio | 67.22% | -16.68 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).
FIRELANDS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $569.5M | - |
| 2025Q4 | $554.6M | 36,461 |
| 2024Q4 | $495.9M | 36,176 |
| 2023Q4 | $450.5M | 35,499 |
Credit Union Details
- Charter Number
- 11674
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Ohio
- City
- Bellevue
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for FIRELANDS, spread across 6 cities.
| Office | City |
|---|---|
| Bellevue Branch (Main Office) | Bellevue, OH |
| BRANCH STILL IN TACT | Bellevue, OH |
| Bucyrus Branch | Bucyrus, OH |
| Galion Branch | Galion, OH |
| Monroeville Branch | Monroeville, OH |
| Loan Operations | Monroeville, OH |
| Norwalk Branch | Norwalk, OH |
| Sandusky Branch | Sandusky, 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.
Cross-state Call Report peers for FIRELANDS
FIRELANDS's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($554.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- FIRELANDS ranks #1,327 of 4,374 nationally on financial health and #60 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oucu Financial 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 Oucu Financial 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 FIRELANDS financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, FIRELANDS carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,327 of 4,374; by total assets it ranks #714 of 4,374 nationally (same basis as /rankings/largest); and #18 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.55% net worth ratio and a 0.95% delinquency rate.
How does FIRELANDS compare to other credit unions?
PlainCU's health composite puts FIRELANDS at 89/100, compared to a peer group average for Over $500M 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 FIRELANDS?
FIRELANDS 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 FIRELANDS directly for the exact boundaries and application steps.
Is my money safe at FIRELANDS?
Federal credit unions like FIRELANDS 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. FIRELANDS's net worth ratio of 9.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FIRELANDS offer compared to banks?
Credit unions like FIRELANDS 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 FIRELANDS 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.