TellerScore

Firefighters & Company Federal Credit Union is a federal credit union headquartered in Dayton, Ohio, in business for about 91 years. At the end of Q2 2026 it reported $129.4M in total assets and $111.3M in member shares and deposits, with 2 offices.

Firefighters & Company Federal Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 161st. Funding & liquidity contributes the most (82/100, 79% loans-to-deposits, 5% uninsured); earnings contributes the least (45/100, 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.51%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.24%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity82/100
Loans ÷ shares: 78.7% · 4.5% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.74%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 57).

TellerScore
555860Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202458
Q1 202560
Q2 202556
Q3 202555
Q4 202557
Q1 202657
Q2 202657
Net worth ratio
7.00%8.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.11%
Q3 20249.15%
Q4 20249.26%
Q1 20259.23%
Q2 20259.10%
Q3 20259.21%
Q4 20259.13%
Q1 20269.33%
Q2 20269.51%
Delinquent loans (60+ days)
0.80%1.10%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20240.97%
Q4 20240.93%
Q1 20250.88%
Q2 20251.19%
Q3 20251.40%
Q4 20251.14%
Q1 20261.16%
Q2 20261.24%
Return on assets
0.43%0.52%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.43%
Q4 20240.46%
Q1 20250.54%
Q2 20250.52%
Q3 20250.57%
Q4 20250.60%
Q1 20260.53%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$129.4M9.51%1.24%0.61%78.7%
Q1 202657$129.4M9.33%1.16%0.53%76.6%
Q4 202557$130.5M9.13%1.14%0.60%77.6%
Q3 202555$126.9M9.21%1.40%0.57%76.9%
Q2 202556$126.1M9.10%1.19%0.52%78.8%
Q1 202560$122.6M9.23%0.88%0.54%79.3%
Q4 202458$120.3M9.26%0.93%0.46%84.2%
Q3 202457$120.0M9.15%0.97%0.43%85.4%
Q2 202458$119.2M9.11%0.80%0.44%87.5%

1,341 peers · $100 million – $1 billion

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 ratio9.51%
21st
Problem loans1.24%
20th
Net charge-offs0.71%
19th
Return on assets0.61%
40th
Loans to deposits78.7%
44th
Uninsured deposits4.5%
65th
Loan-loss reserves0.00%
50th
Texas ratio10.7%
11th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Community One Credit Union of OhioCredit union North Canton, OH80 out of 100, Strong$129.3M13.0%0.62%vs
Treadwell Credit UnionCredit union Dayton, OH55 out of 100, Moderate$134.2M9.0%0.87%vs
Pillar Credit UnionCredit union Marion, OH76 out of 100, Strong$134.8M11.6%0.60%vs
Greater Cincinnati School Credit UnionCredit union Cincinnati, OH78 out of 100, Strong$135.1M13.4%0.46%vs
Hancock Federal Credit UnionCredit union Findlay, OH60 out of 100, Moderate$118.4M8.8%0.58%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs

Deposit insurance

Is my money safe at Firefighters & Company Federal Credit Union?

Yes. Firefighters & Company Federal Credit Union is a federally insured credit union (NCUA charter #395). 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 4.5% of shares and deposits ($5.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.51%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Firefighters & Company Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Firefighters & Company Federal Credit Union
Type
Federal credit union
NCUA charter #
395
RSSD ID
915775
Primary regulator
NCUA
Established
1935
Headquarters
338 S Patterson Blvd, Dayton, OH 45402
Employees
21

Quick answers

Firefighters & Company Federal Credit Union: common questions

Is Firefighters & Company Federal Credit Union NCUA insured?

Yes. Firefighters & Company Federal Credit Union is a federally insured credit union (NCUA charter #395). 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 Firefighters & Company Federal Credit Union's TellerScore?

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

How many branches does Firefighters & Company Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Dayton

InstitutionScoreAssetsCapitalProblem loansCompare
The First Central National Bank of St. ParisBank St. Paris, OH87 out of 100, Very strong$97.0M18.9%0.02%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs
Minster BankBank Minster, OH79 out of 100, Strong$811.6M10.1%0.14%vs