State credit union · Joliet, Illinois · NCUA charter #65555
Joliet Firefighters
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $7.9M
- Total assets
- 575
- Members
- 11.3%
- Net-worth ratio
Joliet Firefighters scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.9M; members 575; net-worth ratio 11.30%; health rank #267 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#267 of 4,374 health · 2025Q4Joliet Firefighters · health 96/100 · $7.9M · 2025Q4
Call Report peers
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Joliet Firefighters vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Joliet Firefighters sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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 Joliet Firefighters
- Largest favorable gap: Loan-to-Share Ratio at 79.40% vs peer 63.60% (+15.80 pp).
- Largest lag: Net Worth Ratio at 11.30% vs peer 19.06% (-7.76 pp).
Joliet Firefighters: in-state Call Report ranks
- Health composite ranks #10 of 192 among scored Illinois credit unions.
- Assets rank #129 of 192 inside Illinois ($7.9M reported).
- Illinois membership ordinal: #151 of 192.
- One place up in Illinois, Financial Plus (#9) ties at 96/100; one place down, Illinois Valley (#11) ties at 96/100.
How Joliet Firefighters's 5300 filing moved
Joliet Firefighters: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $7.9M (2025Q4) to $8.2M (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.27% → 11.30%).
11.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Joliet Firefighters gives up 4 points in total. Member Growth costs the most, 3.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.30% | -7.76 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.01% | +0.55 pp |
| Member Growth | 1.77% | - |
| Loan-to-Share Ratio | 79.40% | +15.80 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Joliet Firefighters
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.2M | - |
| 2025Q4 | $7.9M | 575 |
| 2024Q4 | $7.4M | 565 |
| 2023Q4 | $7.7M | 571 |
Credit Union Details
- Charter Number
- 65555
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Joliet
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Joliet Firefighters, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Joliet Firefighters Credit Union (Main Office) | Joliet, IL |
| Bradford Scott | Fort Wayne, IN |
| Joliet Firefighters Credit Union | Fort Wayne, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
- BURLINGTON NORTHERN SANTA FE RAILWYCicero, IL · $2M–$10M65Health
- PONTIAC DWIGHT PRISON EMPLOYSPONTIAC, IL · $2M–$10M81Health
- CTA-74TH STREET DEPOTChicago, IL · $2M–$10M55Health
- CHICAGO AREA OFFICEChicago, IL · $2M–$10M43Health
- PEORIA HIWAYPeoria, IL · $2M–$10M91Health
Compare Joliet Firefighters vs BURLINGTON NORTHERN SANTA FE RAILWY
Cross-state Call Report peers for Joliet Firefighters
Similar health score
Using this data
- Joliet Firefighters ranks #267 of 4,374 nationally on financial health and #10 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Burlington Northern Santa Fe Railwy is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Burlington Northern Santa Fe Railwy
Frequently Asked Questions
Is Joliet Firefighters financially healthy?
Joliet Firefighters has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #267 of 4,374 nationally on health and #10 of 192 in Illinois. Its net worth ratio is 11.30% and its delinquency rate 0.00%.
How does Joliet Firefighters compare to other credit unions?
Joliet Firefighters scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (79.40% vs 63.60%). Its widest shortfall is net worth ratio (11.30% vs 19.06%).
How can I join Joliet Firefighters?
Membership eligibility for Joliet Firefighters depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Joliet Firefighters directly for current membership requirements and application steps.
Is my money safe at Joliet Firefighters?
Joliet Firefighters is a state-chartered 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. Joliet Firefighters's net worth ratio of 11.30% 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.