TellerScore

Firefighters Credit Union (NCUA charter #66423) is based in Onalaska, Wisconsin. Its Q2 2026 call report shows $133.0M in total assets and $110.4M in member shares and deposits and 3 offices.

Firefighters Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 20th. Capital cushion contributes the most (100/100, 16.12%); funding & liquidity contributes the least (59/100, 101% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.12%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity59/100
Loans ÷ shares: 100.9% · 4.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.94%

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 rose 3 points (80 → 83), mostly because the earnings component improved by 15 points.

TellerScore
768185Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202482
Q4 202484
Q1 202583
Q2 202580
Q3 202582
Q4 202585
Q1 202683
Q2 202683
Net worth ratio
7.00%11.56%16.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.87%
Q3 202414.78%
Q4 202415.43%
Q1 202515.48%
Q2 202515.58%
Q3 202515.44%
Q4 202515.65%
Q1 202616.04%
Q2 202616.12%
Delinquent loans (60+ days)
0.17%0.44%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.17%
Q4 20240.21%
Q1 20250.28%
Q2 20250.63%
Q3 20250.39%
Q4 20250.36%
Q1 20260.58%
Q2 20260.57%
Return on assets
0.56%0.96%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.73%
Q4 20240.89%
Q1 20250.90%
Q2 20250.98%
Q3 20251.06%
Q4 20251.24%
Q1 20261.30%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$133.0M16.12%0.57%1.35%100.9%
Q1 202683$130.7M16.04%0.58%1.30%101.7%
Q4 202585$131.2M15.65%0.36%1.24%99.9%
Q3 202582$129.1M15.44%0.39%1.06%104.2%
Q2 202580$125.3M15.58%0.63%0.98%98.6%
Q1 202583$123.9M15.48%0.28%0.90%97.5%
Q4 202484$122.5M15.43%0.21%0.89%97.2%
Q3 202482$125.2M14.78%0.17%0.73%95.4%
Q2 202476$122.1M14.87%0.71%0.56%98.0%

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 ratio16.12%
90th
Problem loans0.57%
59th
Net charge-offs0.17%
75th
Return on assets1.35%
84th
Loans to deposits100.9%
3rd
Uninsured deposits4.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio2.9%
62nd

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Premier Financial Credit UnionCredit union New Holstein, WI78 out of 100, Strong$132.4M13.6%0.95%vs
Oakdale Credit UnionCredit union Oakdale, WI95 out of 100, Very strong$132.4M13.3%0.00%vs
Tomah Area Credit UnionCredit union Tomah, WI83 out of 100, Strong$125.9M12.4%0.49%vs
Governmental Employees Credit UnionCredit union La Crosse, WI60 out of 100, Moderate$121.8M9.4%0.71%vs
Arcadia Credit UnionCredit union Arcadia, WI79 out of 100, Strong$144.2M12.9%0.46%vs
Southern Lakes Credit UnionCredit union Kenosha, WI65 out of 100, Moderate$112.6M9.7%0.73%vs

Deposit insurance

Is my money safe at Firefighters Credit Union?

Yes. Firefighters Credit Union is a federally insured credit union (NCUA charter #66423). 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 4.0% of shares and deposits ($4.4M) 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 16.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Firefighters Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Firefighters Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66423
RSSD ID
854995
Primary regulator
State + NCUA
Established
1931
Headquarters
2707 Midwest Dr, Onalaska, WI 54650
Employees
33

Quick answers

Firefighters Credit Union: common questions

Is Firefighters Credit Union NCUA insured?

Yes. Firefighters Credit Union is a federally insured credit union (NCUA charter #66423). 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 Credit Union's TellerScore?

83 out of 100 (Strong), 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 Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Onalaska

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs
Westby Co-Op Credit UnionCredit union Westby, WI77 out of 100, Strong$1.0B15.6%1.44%vs