Federal credit union · Norfolk, Virginia · NCUA charter #3746
Norfolk Fire Department
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $27.0M
- Total assets
- 2,001
- Members
- 19.8%
- Net-worth ratio
Norfolk Fire Department scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.0M; members 2,001; net-worth ratio 19.80%; health rank #1,887 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,887 of 4,374 health · 2025Q4Norfolk Fire Department · health 85/100 · $27.0M · 2025Q4
Call Report peers
Norfolk Fire Department in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Norfolk Fire Department vs every NCUA-scored credit union
Norfolk Fire Department sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Where Norfolk Fire Department diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 19.80% vs peer 14.86% (+4.94 pp).
- Largest lag: Loan-to-Share Ratio at 33.38% vs peer 59.80% (-26.42 pp).
Norfolk Fire Department in Virginia
- Virginia health ordinal: #31 of 95.
- By total assets, Norfolk Fire Department is #66 of 95 in Virginia.
- Virginia membership ordinal: #69 of 95.
- One place up in Virginia, INFIRST (#30) scores 86/100, 1 point higher; one place down, Beach Municipal (#32) ties at 85/100.
Norfolk Fire Department Call Report trajectory
Norfolk Fire Department: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $27.0M (2025Q4) to $26.7M (2026Q1).
- Net-worth ratio shifted +0.58 pp (19.22% → 19.80%).
19.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Norfolk Fire Department gives up 15 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 8.7 pts
Norfolk Fire Department health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.80% | +4.94 pp |
| Delinquency Rate | 0.49% | -0.66 pp |
| Return on Assets | 1.71% | +1.01 pp |
| Member Growth | -1.53% | - |
| Loan-to-Share Ratio | 33.38% | -26.42 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.7M | - |
| 2025Q4 | $27.0M | 2,001 |
| 2024Q4 | $25.6M | 2,032 |
| 2023Q4 | $25.6M | 2,065 |
Credit Union Details
- Charter Number
- 3746
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Virginia
- City
- Norfolk
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Norfolk Fire Department runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Norfolk, VA |
| millennial vision | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
- AUGUSTA COUNTYVERONA, VA · $10M–$50M83Health
- STRATEGICSterling, VA · $10M–$50M83Health
- LYNCHBURG MUNICIPAL EMPLOYEESLynchburg, VA · $10M–$50M89Health
- RICHMOND VIRGINIA FIRE POLICE CREDIRichmond, VA · $10M–$50M87Health
- PFD FIREFIGHTERS CREDIT UNION INC.Portsmouth, VA · $10M–$50M91Health
Nationwide credit unions with similar profiles
Using this data
- Norfolk Fire Department ranks #1,887 of 4,374 nationally on financial health and #31 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Augusta County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Augusta County
Frequently Asked Questions
Is Norfolk Fire Department financially healthy?
On its 2025Q4 NCUA 5300 filing, Norfolk Fire Department scores 85/100 (Excellent), with a 19.80% net worth ratio and 0.49% of loans delinquent. It ranks #1,887 of 4,374 nationally on health and #31 of 95 in Virginia.
How does Norfolk Fire Department compare to other credit unions?
Norfolk Fire Department scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.80% vs 14.86%). Its widest shortfall is loan-to-share ratio (33.38% vs 59.80%).
How can I join Norfolk Fire Department?
Norfolk Fire Department serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Norfolk Fire Department directly for the current list of qualifying groups.
Is my money safe at Norfolk Fire Department?
Norfolk Fire Department 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. Norfolk Fire Department's net worth ratio of 19.80% 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.