Waterloo Firemen'S Credit Union is a federally insured state-chartered credit union headquartered in Waterloo, Iowa, in business for about 93 years. At the end of Q2 2026 it reported $2.9M in total assets and $2.5M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Waterloo Firemen'S Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 11th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (69/100; 91% loans-to-deposits, 0% uninsured).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 70 |
| Q4 2024 | 51 |
| Q1 2025 | 74 |
| Q2 2025 | 89 |
| Q3 2025 | 91 |
| Q4 2025 | 82 |
| Q1 2026 | 90 |
| Q2 2026 | 90 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.15% |
| Q3 2024 | 12.89% |
| Q4 2024 | 11.70% |
| Q1 2025 | 12.11% |
| Q2 2025 | 12.62% |
| Q3 2025 | 13.27% |
| Q4 2025 | 12.81% |
| Q1 2026 | 13.11% |
| Q2 2026 | 13.29% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.44% |
| Q3 2024 | 2.10% |
| Q4 2024 | 2.96% |
| Q1 2025 | 1.01% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.41% |
| Q3 2024 | 2.40% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.53% |
| Q2 2025 | 1.97% |
| Q3 2025 | 2.01% |
| Q4 2025 | 1.02% |
| Q1 2026 | 2.06% |
| Q2 2026 | 2.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $2.9M | 13.29% | 0.00% | 2.17% | 91.0% |
| Q1 2026 | 90 | $2.8M | 13.11% | 0.00% | 2.06% | 91.0% |
| Q4 2025 | 82 | $2.8M | 12.81% | 0.00% | 1.02% | 85.5% |
| Q3 2025 | 91 | $2.8M | 13.27% | 0.00% | 2.01% | 87.2% |
| Q2 2025 | 89 | $2.8M | 12.62% | 0.00% | 1.97% | 82.3% |
| Q1 2025 | 74 | $2.8M | 12.11% | 1.01% | 1.53% | 84.6% |
| Q4 2024 | 51 | $2.8M | 11.70% | 2.96% | 1.18% | 86.9% |
| Q3 2024 | 70 | $2.7M | 12.89% | 2.10% | 2.40% | 87.1% |
| Q2 2024 | 58 | $2.7M | 12.15% | 4.44% | 2.41% | 82.9% |
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).
Similar-size credit unions in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lee County Credit UnionCredit union Keokuk, IA | 91 out of 100, Very strong | $3.2M | 31.8% | 0.00% | vs |
| Des Moines Fire Department Credit UnionCredit union Des Moines, IA | 70 out of 100, Strong | $3.4M | 24.1% | 2.04% | vs |
| S E C U Credit UnionCredit union Keokuk, IA | 72 out of 100, Strong | $1.8M | 35.4% | 2.61% | vs |
| Dubuque Postal Employees Credit UnionCredit union Dubuque, IA | 92 out of 100, Very strong | $4.3M | 15.3% | 0.00% | vs |
| Gas & Electric Employees Credit UnionCredit union Mason City, IA | 69 out of 100, Moderate | $4.5M | 48.1% | 4.11% | vs |
| Burlington Municipal Employees Credit UnionCredit union Burlington, IA | 80 out of 100, Strong | $4.7M | 15.6% | 0.87% | vs |
Deposit insurance
Is my money safe at Waterloo Firemen'S Credit Union?
Yes. Waterloo Firemen'S Credit Union is a federally insured credit union (NCUA charter #65193). 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 13.29%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Waterloo Firemen'S Credit Union lists 1 office in 1 city. Most locations:
- Waterloo, IA (1)
Identity & history
Profile
- Legal name
- Waterloo Firemen'S Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65193
- RSSD ID
- 317593
- Primary regulator
- State + NCUA
- Established
- 1933
- Headquarters
- 425 E 3rd St, Waterloo, IA 50703
- Employees
- 1
Quick answers
Waterloo Firemen'S Credit Union: common questions
Is Waterloo Firemen'S Credit Union NCUA insured?
Yes. Waterloo Firemen'S Credit Union is a federally insured credit union (NCUA charter #65193). 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 Waterloo Firemen'S Credit Union's TellerScore?
90 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 Waterloo Firemen'S Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Waterloo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| Community Bank of OelweinBank Oelwein, IA | 86 out of 100, Very strong | $95.0M | 14.1% | 0.00% | vs |
| Maynard Savings BankBank Maynard, IA | 83 out of 100, Strong | $108.4M | 15.1% | 1.00% | vs |
| Cedar Falls Community Credit UnionCredit union Cedar Falls, IA | 80 out of 100, Strong | $251.7M | 15.9% | 0.78% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| First BankBank Waverly, IA | 78 out of 100, Strong | $739.9M | 12.7% | 0.54% | vs |