State credit union · Waterloo, Iowa · NCUA charter #65193
Waterloo Firemen's
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $2.8M
- Total assets
- 321
- Members
- 13.1%
- Net-worth ratio
Waterloo Firemen's scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.8M; members 321; net-worth ratio 13.11%; health rank #1,094 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,094 of 4,374 health · 2025Q4Waterloo Firemen's · health 90/100 · $2.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Waterloo Firemen's vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Waterloo Firemen's sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Waterloo Firemen's diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +21.85 pp (85.45% vs 63.60%).
- Net Worth Ratio trails the peer set - 13.11% here, 19.06% peer average (-5.95 pp).
Waterloo Firemen's in Iowa
- Iowa health ordinal: #18 of 66.
- Iowa assets place: #63 of 66.
- Membership ranks #63 of 66 among Iowa CUs with a reported count (321 members).
- One place up in Iowa, Cedar Falls Community (#17) ties at 90/100; one place down, ASCENTRA (#19) ties at 90/100.
Waterloo Firemen's: 2025Q4 → 2026Q1
Waterloo Firemen's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $2.8M (2025Q4) to $2.8M (2026Q1).
- Net-worth ratio shifted +0.30 pp (12.81% → 13.11%).
At 13.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Waterloo Firemen's gives up 10 points in total. Member Growth costs the most, 10.4 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 4.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Waterloo Firemen's
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.11% | -5.95 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.19% | +0.74 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 85.45% | +21.85 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Waterloo Firemen's
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.8M | - |
| 2025Q4 | $2.8M | 321 |
| 2024Q4 | $2.8M | 329 |
| 2023Q4 | $2.9M | 334 |
Credit Union Details
- Charter Number
- 65193
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Iowa
- City
- Waterloo
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Waterloo Firemen's runs one office.
| Office | City |
|---|---|
| Waterloo Firemen's Credit Union (Main Office) | Waterloo, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group and asset size.
Other-state peers near Waterloo Firemen's
Similar health score
Using this data
- Waterloo Firemen's ranks #1,094 of 4,374 nationally on financial health and #18 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lee County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lee County
Frequently Asked Questions
Is Waterloo Firemen's financially healthy?
Waterloo Firemen's has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,094 of 4,374 nationally on health and #18 of 66 in Iowa. Its net worth ratio is 13.11% and its delinquency rate 0.00%.
How does Waterloo Firemen's compare to other credit unions?
Waterloo Firemen's scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (85.45% vs 63.60%). Its widest shortfall is net worth ratio (13.11% vs 19.06%).
How can I join Waterloo Firemen's?
Membership eligibility for Waterloo Firemen's depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Waterloo Firemen's directly for current membership requirements and application steps.
Is my money safe at Waterloo Firemen's?
Waterloo Firemen's 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. Waterloo Firemen's's net worth ratio of 13.11% 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.