TellerScore

Norfolk Fire Department Federal Credit Union is a federal credit union headquartered in Norfolk, Virginia, in business for about 86 years. At the end of Q2 2026 it reported $26.8M in total assets and $21.4M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Norfolk Fire Department Federal Credit Union scores 93/100, which we describe as very strong. That is higher than 94% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 4th. Its strongest component is capital cushion (100/100; 20.12%), and its lowest is earnings (82/100; 1.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.12%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings82/100
Return on assets (annualized): 1.55%
Funding & liquidity100/100
Loans ÷ shares: 30.4% · 3.2% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.49%

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 fell 3 points (96 → 93), mostly because the earnings component weakened by 18 points.

TellerScore
919496Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202492
Q4 202492
Q1 202593
Q2 202596
Q3 202596
Q4 202596
Q1 202691
Q2 202693
Net worth ratio
7.00%13.56%20.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.96%
Q3 202417.57%
Q4 202418.14%
Q1 202518.01%
Q2 202518.88%
Q3 202519.06%
Q4 202519.22%
Q1 202619.80%
Q2 202620.12%
Delinquent loans (60+ days)
0.41%0.57%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.63%
Q4 20240.73%
Q1 20250.67%
Q2 20250.52%
Q3 20250.48%
Q4 20250.49%
Q1 20260.47%
Q2 20260.41%
Return on assets
1.34%1.76%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.60%
Q3 20241.70%
Q4 20241.81%
Q1 20251.81%
Q2 20252.17%
Q3 20252.05%
Q4 20252.02%
Q1 20261.34%
Q2 20261.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$26.8M20.12%0.41%1.55%30.4%
Q1 202691$26.7M19.80%0.47%1.34%31.4%
Q4 202596$27.0M19.22%0.49%2.02%33.4%
Q3 202596$26.5M19.06%0.48%2.05%36.0%
Q2 202596$26.1M18.88%0.52%2.17%37.2%
Q1 202593$26.5M18.01%0.67%1.81%35.8%
Q4 202492$25.6M18.14%0.73%1.81%37.9%
Q3 202492$25.7M17.57%0.63%1.70%37.5%
Q2 202492$25.9M16.96%0.55%1.60%37.3%

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 ratio20.12%
78th
Problem loans0.41%
62nd
Net charge-offs0.25%
42nd
Return on assets1.55%
86th
Loans to deposits30.4%
89th
Uninsured deposits3.2%
34th
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Augusta County Federal Credit UnionCredit union Verona, VA76 out of 100, Strong$25.7M26.3%2.72%vs
Strategic Federal Credit UnionCredit union Sterling, VA60 out of 100, Moderate$23.1M10.3%1.11%vs
Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA81 out of 100, Strong$31.4M12.1%0.28%vs
Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA88 out of 100, Very strong$21.2M15.4%0.55%vs
Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA82 out of 100, Strong$34.4M14.9%0.07%vs
Augusta Health Care Credit UnionCredit union Fishersville, VA90 out of 100, Very strong$15.2M21.1%0.61%vs

Deposit insurance

Is my money safe at Norfolk Fire Department Federal Credit Union?

Yes. Norfolk Fire Department Federal Credit Union is a federally insured credit union (NCUA charter #3746). 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 3.2% of shares and deposits ($683K) 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 20.12%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Norfolk Fire Department Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Norfolk Fire Department Federal Credit Union
Type
Federal credit union
NCUA charter #
3746
RSSD ID
465177
Primary regulator
NCUA
Established
1940
Headquarters
4100 E Virginia Beach Blvd, Norfolk, VA 23502
Employees
4

Quick answers

Norfolk Fire Department Federal Credit Union: common questions

Is Norfolk Fire Department Federal Credit Union NCUA insured?

Yes. Norfolk Fire Department Federal Credit Union is a federally insured credit union (NCUA charter #3746). 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 Norfolk Fire Department Federal Credit Union's TellerScore?

93 out of 100 (Very 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 Norfolk Fire Department Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Norfolk

InstitutionScoreAssetsCapitalProblem loansCompare
Virginia Educators Credit UnionCredit union Newport News, VA96 out of 100, Very strong$76.3M24.2%0.43%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Beach Municipal Federal Credit UnionCredit union Virginia Beach, VA87 out of 100, Very strong$194.7M14.1%0.78%vs
Northern Star Credit Union, Inc.Credit union Portsmouth, VA85 out of 100, Very strong$73.7M16.8%0.32%vs
Ibew Local Union 80 Federal Credit UnionCredit union Norfolk, VA84 out of 100, Strong$1.8M13.3%0.57%vs
Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA82 out of 100, Strong$34.4M14.9%0.07%vs