TellerScore

Headquartered in Bellevue, Ohio, Firelands Federal Credit Union is a federal credit union with $579.9M in total assets and $525.1M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1957.

Firelands Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 107th. Funding & liquidity contributes the most (93/100, 68% loans-to-deposits, 6% uninsured); capital cushion contributes the least (46/100, 9.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.62%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.82%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity93/100
Loans ÷ shares: 67.6% · 6.3% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.24%

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 4 points (64 → 68), mostly because the earnings component improved by 10 points.

TellerScore
626670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202462
Q1 202563
Q2 202564
Q3 202566
Q4 202567
Q1 202670
Q2 202668
Net worth ratio
7.00%8.31%9.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.22%
Q3 20249.42%
Q4 20249.27%
Q1 20259.05%
Q2 20259.16%
Q3 20259.28%
Q4 20259.46%
Q1 20269.55%
Q2 20269.62%
Delinquent loans (60+ days)
0.72%0.89%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.92%
Q4 20241.05%
Q1 20250.72%
Q2 20250.86%
Q3 20250.89%
Q4 20250.95%
Q1 20260.84%
Q2 20260.82%
Return on assets
0.66%1.02%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.94%
Q4 20240.89%
Q1 20250.66%
Q2 20250.91%
Q3 20251.05%
Q4 20251.18%
Q1 20261.38%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$579.9M9.62%0.82%1.15%67.6%
Q1 202670$569.5M9.55%0.84%1.38%65.7%
Q4 202567$554.6M9.46%0.95%1.18%67.2%
Q3 202566$541.0M9.28%0.89%1.05%66.8%
Q2 202564$527.6M9.16%0.86%0.91%68.7%
Q1 202563$516.8M9.05%0.72%0.66%70.3%
Q4 202462$495.9M9.27%1.05%0.89%73.9%
Q3 202464$476.7M9.42%0.92%0.94%75.0%
Q2 202463$470.1M9.22%0.78%0.76%75.5%

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 ratio9.62%
22nd
Problem loans0.82%
41st
Net charge-offs0.62%
25th
Return on assets1.15%
75th
Loans to deposits67.6%
66th
Uninsured deposits6.3%
46th
Loan-loss reserves0.00%
50th
Texas ratio5.2%
36th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Desco Federal Credit UnionCredit union Portsmouth, OH76 out of 100, Strong$550.7M11.8%0.51%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Oucu Financial Credit Union, Inc.Credit union Athens, OH55 out of 100, Moderate$526.8M11.5%1.17%vs
River Valley Credit UnionCredit union Miamisburg, OH73 out of 100, Strong$502.3M12.0%0.48%vs
Sun Federal Credit UnionCredit union Maumee, OH63 out of 100, Moderate$675.9M10.9%1.02%vs
Cme Federal Credit UnionCredit union Columbus, OH61 out of 100, Moderate$480.9M8.6%0.66%vs

Deposit insurance

Is my money safe at Firelands Federal Credit Union?

Yes. Firelands Federal Credit Union is a federally insured credit union (NCUA charter #11674). 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 6.3% of shares and deposits ($33.3M) 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 9.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Firelands Federal Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Firelands Federal Credit Union
Type
Federal credit union
NCUA charter #
11674
RSSD ID
859981
Primary regulator
NCUA
Established
1957
Headquarters
PO Box 8005, Bellevue, OH 44811
Employees
121

Quick answers

Firelands Federal Credit Union: common questions

Is Firelands Federal Credit Union NCUA insured?

Yes. Firelands Federal Credit Union is a federally insured credit union (NCUA charter #11674). 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 Firelands Federal Credit Union's TellerScore?

68 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 Firelands Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bellevue

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
Sutton BankBank Attica, OH77 out of 100, Strong$1.7B10.0%0.02%vs
Civista BankBank Sandusky, OH75 out of 100, Strong$4.3B12.7%0.92%vs
The Farmers State BankBank New Madison, OH75 out of 100, Strong$329.6M10.9%0.28%vs
First Federal Bank of OhioBank Galion, OH75 out of 100, Strong$282.9M13.7%0.93%vs
The First National Bank of SycamoreBank Sycamore, OH75 out of 100, Strong$239.4M10.0%0.06%vs