TellerScore

Headquartered in Duluth, Minnesota, Duluth Fire Department Credit Union is a federally insured state-chartered credit union with $7.5M in total assets and $6.2M in member shares and deposits as of Q2 2026. Its charter dates back to 1937.

Based on its Q2 2026 filing, Duluth Fire Department Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 14th. Its strongest component is capital cushion (100/100; 17.76%), and its lowest is earnings (40/100; 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.76%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity100/100
Loans ÷ shares: 40.0% · 10.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (90 → 85), mostly because the earnings component weakened by 12 points.

TellerScore
8593100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202494
Q4 202489
Q1 2025100
Q2 202590
Q3 202592
Q4 202588
Q1 202697
Q2 202685
Net worth ratio
7.00%13.36%19.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.31%
Q3 202419.72%
Q4 202419.01%
Q1 202519.17%
Q2 202518.30%
Q3 202517.70%
Q4 202517.76%
Q1 202617.66%
Q2 202617.76%
Delinquent loans (60+ days)
0.00%0.17%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.34%
Q2 20260.31%
Return on assets
0.50%1.29%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20241.31%
Q4 20240.63%
Q1 20252.09%
Q2 20250.80%
Q3 20251.00%
Q4 20250.55%
Q1 20261.93%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$7.5M17.76%0.31%0.50%40.0%
Q1 202697$7.7M17.66%0.34%1.93%41.2%
Q4 202588$7.4M17.76%0.00%0.55%43.8%
Q3 202592$7.5M17.70%0.00%1.00%44.1%
Q2 202590$7.1M18.30%0.00%0.80%48.2%
Q1 2025100$6.8M19.17%0.00%2.09%51.6%
Q4 202489$6.7M19.01%0.00%0.63%54.0%
Q3 202494$6.6M19.72%0.00%1.31%54.1%
Q2 202489$6.5M19.31%0.00%0.57%55.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.76%
68th
Problem loans0.31%
68th
Net charge-offs0.00%
77th
Return on assets0.50%
42nd
Loans to deposits40.0%
78th
Uninsured deposits10.0%
7th
Loan-loss reserves0.53%
78th
Texas ratio0.6%
74th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Duluth Police Department Employees Credit UnionCredit union Duluth, MN91 out of 100, Very strong$7.8M22.8%0.41%vs
Riverview Credit UnionCredit union South Saint Pau, MN81 out of 100, Strong$7.9M16.4%0.00%vs
Red Lake Co Op Federal Credit UnionCredit union Red Lake Falls, MN74 out of 100, Strong$7.0M12.9%0.00%vs
Mower County Catholic Parishes Credit UnionCredit union Austin, MN65 out of 100, Moderate$6.7M19.0%2.72%vs
Electric Machinery Employees Credit UnionCredit union Minneapolis, MN71 out of 100, Strong$8.4M24.6%1.20%vs
First Pace Credit UnionCredit union West St Paul, MN75 out of 100, Strong$8.7M18.9%0.25%vs

Deposit insurance

Is my money safe at Duluth Fire Department Credit Union?

Yes. Duluth Fire Department Credit Union is a federally insured credit union (NCUA charter #60750). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.0% of shares and deposits ($616K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.76%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Duluth Fire Department Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60750
RSSD ID
439990
Primary regulator
State + NCUA
Established
1937
Headquarters
602 W 2nd St, Duluth, MN 55802
Employees
5

Quick answers

Duluth Fire Department Credit Union: common questions

Is Duluth Fire Department Credit Union NCUA insured?

Yes. Duluth Fire Department Credit Union is a federally insured credit union (NCUA charter #60750). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Duluth Fire Department Credit Union's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.