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
Call Report peers
FIRELANDS in the assets neighbourhood
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
FIRELANDS sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Ohio, SUN (#59) ties at 89/100; one place down, Ohio Educational (#61) ties at 89/100.
Quarter path for FIRELANDS
FIRELANDS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $554.6M (2025Q4) to $569.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.46% → 9.55%).
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
FIRELANDS gives up 11 points in total. Member Growth costs the most, 5.1 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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.
Frequently Asked Questions
Is FIRELANDS financially healthy?
On its 2025Q4 NCUA 5300 filing, FIRELANDS scores 89/100 (Excellent), with a 9.55% net worth ratio and 0.95% of loans delinquent. It ranks #1,327 of 4,374 nationally on health and #60 of 196 in Ohio.
How does FIRELANDS compare to other credit unions?
FIRELANDS scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.79% vs 0.51%). Its widest shortfall is loan-to-share ratio (67.22% vs 83.90%).
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?
FIRELANDS is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.