TellerScore

Fireman'S Credit Union is a federally insured state-chartered credit union headquartered in Birmingham, Alabama, in business for about 97 years. At the end of Q2 2026 it reported $7.4M in total assets and $4.7M in member shares and deposits, with 4 offices across 2 states.

Based on its Q2 2026 filing, Fireman'S Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 33rd. Its strongest component is capital cushion (100/100; 35.86%), and its lowest is earnings (54/100; 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 35.86%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.80%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity83/100
Loans ÷ shares: 77.5% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.08%

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 16 points (65 → 81), mostly because the loan quality component improved by 66 points.

TellerScore
617283Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202463
Q4 202464
Q1 202561
Q2 202565
Q3 202566
Q4 202581
Q1 202683
Q2 202681
Net worth ratio
7.00%22.08%37.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202436.29%
Q3 202436.65%
Q4 202436.49%
Q1 202536.78%
Q2 202536.51%
Q3 202537.16%
Q4 202536.67%
Q1 202636.33%
Q2 202635.86%
Delinquent loans (60+ days)
0.37%2.06%3.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.28%
Q3 20243.76%
Q4 20243.47%
Q1 20253.32%
Q2 20252.80%
Q3 20252.32%
Q4 20250.39%
Q1 20260.37%
Q2 20260.80%
Return on assets
0.37%0.71%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20240.97%
Q4 20241.04%
Q1 20250.70%
Q2 20251.02%
Q3 20250.63%
Q4 20250.37%
Q1 20260.49%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$7.4M35.86%0.80%0.84%77.5%
Q1 202683$7.3M36.33%0.37%0.49%75.6%
Q4 202581$7.2M36.67%0.39%0.37%78.4%
Q3 202566$7.0M37.16%2.32%0.63%82.5%
Q2 202565$7.1M36.51%2.80%1.02%79.0%
Q1 202561$6.9M36.78%3.32%0.70%77.6%
Q4 202464$7.0M36.49%3.47%1.04%76.2%
Q3 202463$6.9M36.65%3.76%0.97%79.9%
Q2 202469$6.9M36.29%2.28%0.97%80.7%

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 ratio35.86%
96th
Problem loans0.80%
46th
Net charge-offs0.25%
43rd
Return on assets0.84%
60th
Loans to deposits77.5%
22nd
Uninsured deposits0.0%
81st
Loan-loss reserves1.31%
86th
Texas ratio1.1%
65th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
L&n Employees Credit UnionCredit union Birmingham, AL52 out of 100, Below average$8.3M18.2%5.29%vs
Alabama Postal Credit UnionCredit union Birmingham, AL96 out of 100, Very strong$6.4M44.5%0.28%vs
Marvel City Federal Credit UnionCredit union Bessemer, AL80 out of 100, Strong$9.0M18.2%1.02%vs
Chemco Credit UnionCredit union Mc Intosh, AL79 out of 100, Strong$5.3M20.0%0.26%vs
Sixth Avenue Baptist Federal Credit UnionCredit union Birmingham, AL34 out of 100, Low$5.2M9.4%12.33%vs
Birmingham City Credit UnionCredit union Birmingham, AL76 out of 100, Strong$9.7M18.9%0.92%vs

Deposit insurance

Is my money safe at Fireman'S Credit Union?

Yes. Fireman'S Credit Union is a federally insured credit union (NCUA charter #64594). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 35.86%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Fireman'S Credit Union lists 4 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Fireman'S Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64594
RSSD ID
722290
Primary regulator
State + NCUA
Established
1929
Headquarters
1808 7th Ave N, Birmingham, AL 35203
Employees
3

Quick answers

Fireman'S Credit Union: common questions

Is Fireman'S Credit Union NCUA insured?

Yes. Fireman'S Credit Union is a federally insured credit union (NCUA charter #64594). 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 Fireman'S Credit Union's TellerScore?

81 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 Fireman'S Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Birmingham

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
Alabama Postal Credit UnionCredit union Birmingham, AL96 out of 100, Very strong$6.4M44.5%0.28%vs
Acipco Federal Credit UnionCredit union Birmingham, AL94 out of 100, Very strong$221.5M14.4%0.21%vs
Rocket City Federal Credit UnionCredit union Huntsville, AL94 out of 100, Very strong$69.1M17.3%0.17%vs
Coosa Pines Federal Credit UnionCredit union Childersburg, AL88 out of 100, Very strong$420.8M16.2%0.87%vs
Railroad Credit UnionCredit union Irondale, AL87 out of 100, Very strong$100.6M14.4%0.07%vs