TellerScore

Headquartered in Joliet, Illinois, Joliet Firefighters Credit Union is a federally insured state-chartered credit union with $8.3M in total assets and $7.3M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1958.

Based on its Q2 2026 filing, Joliet Firefighters Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 53rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (66/100; 11.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.56%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings84/100
Return on assets (annualized): 1.59%
Funding & liquidity83/100
Loans ÷ shares: 77.2% · 2.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 6 points (78 → 84), mostly because the earnings component improved by 18 points.

TellerScore
617384Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202461
Q4 202466
Q1 202565
Q2 202578
Q3 202580
Q4 202578
Q1 202684
Q2 202684
Net worth ratio
7.00%9.32%11.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.54%
Q3 202411.00%
Q4 202411.64%
Q1 202510.94%
Q2 202511.13%
Q3 202510.98%
Q4 202511.27%
Q1 202611.30%
Q2 202611.56%
Delinquent loans (60+ days)
0.00%0.83%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20241.67%
Q4 20241.47%
Q1 20250.02%
Q2 20250.02%
Q3 20250.02%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-2.75%-0.54%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.96%
Q4 20241.08%
Q1 2025-2.75%
Q2 20251.16%
Q3 20251.40%
Q4 20251.03%
Q1 20261.67%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$8.3M11.56%0.00%1.59%77.2%
Q1 202684$8.2M11.30%0.00%1.67%77.2%
Q4 202578$7.9M11.27%0.00%1.03%79.4%
Q3 202580$8.0M10.98%0.02%1.40%77.2%
Q2 202578$7.5M11.13%0.02%1.16%79.4%
Q1 202565$7.4M10.94%0.02%-2.75%76.4%
Q4 202466$7.4M11.64%1.47%1.08%78.3%
Q3 202461$7.6M11.00%1.67%0.96%77.7%
Q2 202464$7.8M10.54%1.07%0.86%76.8%

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 ratio11.56%
28th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.59%
87th
Loans to deposits77.2%
23rd
Uninsured deposits2.4%
42nd
Loan-loss reserves0.33%
75th
Texas ratio0.0%
93rd

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Cta-74th Street Depot Federal Credit UnionCredit union Chicago, IL53 out of 100, Below average$8.6M16.7%6.53%vs
Metropolitan "l" Federal Credit UnionCredit union Oak Park, IL76 out of 100, Strong$9.3M17.0%1.38%vs
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State Employees Community Credit UnionCredit union Alton, IL89 out of 100, Very strong$6.7M20.0%0.00%vs

Deposit insurance

Is my money safe at Joliet Firefighters Credit Union?

Yes. Joliet Firefighters Credit Union is a federally insured credit union (NCUA charter #65555). 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 2.4% of shares and deposits ($173K) 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 11.56%, 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

Joliet Firefighters Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Joliet Firefighters Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65555
RSSD ID
639398
Primary regulator
State + NCUA
Established
1958
Headquarters
1000 Galway Rd, Joliet, IL 60431
Employees
10

Quick answers

Joliet Firefighters Credit Union: common questions

Is Joliet Firefighters Credit Union NCUA insured?

Yes. Joliet Firefighters Credit Union is a federally insured credit union (NCUA charter #65555). 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 Joliet Firefighters Credit Union's TellerScore?

84 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 Joliet Firefighters Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Joliet

InstitutionScoreAssetsCapitalProblem loansCompare
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
Aurora Firefighters' Credit UnionCredit union Aurora, IL93 out of 100, Very strong$2.7M16.1%0.00%vs
First Community Bank and TrustBank Beecher, IL91 out of 100, Very strong$201.7M13.5%0.00%vs
Earthmover Credit UnionCredit union Aurora, IL87 out of 100, Very strong$471.7M19.3%0.75%vs
Grundy BankBank Morris, IL85 out of 100, Very strong$504.7M12.6%0.20%vs