State credit union · Omaha, Nebraska · NCUA charter #66126
Omaha Firefighters
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $75.3M
- Total assets
- 3,672
- Members
- 15.0%
- Net-worth ratio
Omaha Firefighters - Share Insurance Coverage
Charter #66126'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.
Omaha Firefighters - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth33
- Liquidity (loan-to-share)61
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.97% | 30% |
| Delinquency Rate | 0.01% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | -2.24% | 15% |
| Loan-to-Share Ratio | 34.54% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $75.3M | 3,672 |
| 2024Q4 | $77.6M | 3,756 |
| 2023Q4 | $75.6M | 3,781 |
Credit Union Details
- Charter Number
- 66126
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Nebraska
- City
- Omaha
- Data Quarter
- 2025Q4
What This Data Says About Omaha Firefighters
3,672 members and $75.3M in total assets sit behind Omaha Firefighters, a state credit union in Omaha, Nebraska, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $21.3M in outstanding loans as of Q4 2025 and a net worth ratio of 14.97% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #66126 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 34.54% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.01% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.66% on net income of $498K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.24%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Nebraska
More federally-insured credit unions based in Nebraska, ordered by peer group match and asset size.
- LINCOLN PUBLIC SCHOOL EMPLOYEESLincoln, NE · $50M–$100M81Health
- KELLOGG MIDWESTLaVista, NE · $50M–$100M80Health
- OMAHA POLICEOmaha, NE · $50M–$100M90Health
- SPIRIT OF AMERICALINCOLN, NE · $50M–$100M76Health
- CONSUMERS COOPERATIVEAlliance, NE · $50M–$100M93Health
Compare Omaha Firefighters vs LINCOLN PUBLIC SCHOOL EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Omaha Firefighters financially healthy?
A 14.97% net worth ratio and a 0.01% delinquency rate feed into Omaha Firefighters's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Omaha Firefighters compare to other credit unions?
84/100 is Omaha Firefighters's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Omaha Firefighters?
Membership eligibility for Omaha Firefighters depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Omaha Firefighters directly for current membership requirements and application steps.
Is my money safe at Omaha Firefighters?
Federal credit unions like Omaha 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. Omaha Firefighters's net worth ratio of 14.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Omaha Firefighters offer compared to banks?
Credit unions like Omaha 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 Omaha Firefighters directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.