Federal credit union · Knoxville, Tennessee · NCUA charter #9873
Knoxville Firefighters
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $36.4M
- Total assets
- 1,841
- Members
- 19.7%
- Net-worth ratio
Knoxville Firefighters scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.4M; members 1,841; net-worth ratio 19.71%; health rank #447 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#447 of 4,374 health · 2025Q4Knoxville Firefighters · health 94/100 · $36.4M · 2025Q4
- BOOK 94/100
- CHARTER 19.7%
- NCUSIF 0.11%
- CAMELS 1.88%
- HEALTH $36.4M
- NW 1,841
- DELQ #447/4,374
- ROA Hoosier United
- ASSETS 9873
Call Report peers
Knoxville Firefighters in the assets neighbourhood
Knoxville Firefighters's $36.4M assets sit next to Hoosier United ($36.4M) 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.
Knoxville Firefighters 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
94 Top 13% higher than 87% 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
Knoxville Firefighters - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9873 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Knoxville Firefighters: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +9.56 pp (69.36% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Knoxville Firefighters: in-state Call Report ranks
- Health composite ranks #16 of 127 among scored Tennessee credit unions.
- Assets rank #76 of 127 inside Tennessee ($36.4M reported).
- Member book place in Tennessee: #88 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Knoxville Firefighters: 2025Q4 → 2026Q1
Knoxville Firefighters: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $36.4M (2025Q4) to $36.7M (2026Q1).
- Net-worth ratio shifted +0.35 pp (19.36% → 19.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.4 pts
Knoxville Firefighters vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.71% | +4.85 pp |
| Delinquency Rate | 0.11% | -1.03 pp |
| Return on Assets | 1.88% | +1.17 pp |
| Member Growth | 0.49% | - |
| Loan-to-Share Ratio | 69.36% | +9.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.7M | - |
| 2025Q4 | $36.4M | 1,841 |
| 2024Q4 | $35.5M | 1,832 |
| 2023Q4 | $36.3M | 1,695 |
Credit Union Details
- Charter Number
- 9873
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Knoxville
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Knoxville Firefighters runs 2 offices.
| Office | City |
|---|---|
| Knoxville Firefighters FCU (Main Office) | Knoxville, TN |
| Knoxville Law Enforcement FCU | Knoxville, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Knoxville Firefighters nationwide neighbourhoods
Two NCUA Call Report peer sets for Knoxville Firefighters, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Knoxville Firefighters ranks #447 of 4,374 nationally on financial health and #16 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Happy Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Happy Valley
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Knoxville Firefighters financially healthy?
A 19.71% net worth ratio and a 0.11% delinquency rate feed into Knoxville Firefighters's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #447 of 4,374; by total assets it ranks #2,689 of 4,374 nationally (same basis as /rankings/largest); and #76 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Knoxville Firefighters compare to other credit unions?
PlainCU's health composite puts Knoxville Firefighters at 94/100, compared to a peer group average for $10M–$50M 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 Knoxville Firefighters?
Knoxville Firefighters 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 Knoxville Firefighters directly for the exact boundaries and application steps.
Is my money safe at Knoxville Firefighters?
Federal credit unions like Knoxville Firefighters 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. Knoxville Firefighters's net worth ratio of 19.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Knoxville Firefighters offer compared to banks?
Credit unions like Knoxville Firefighters 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 Knoxville Firefighters 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.