TellerScore

Wildfire Credit Union (NCUA charter #60057) is based in Saginaw, Michigan. Its Q2 2026 call report shows $1.2B in total assets and $1.1B in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Wildfire Credit Union scores 70/100, which we describe as strong. That is higher than 58% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 100th. Its strongest component is problem-loan coverage (93/100; 3.4%), and its lowest is earnings (44/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.95%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity92/100
Loans ÷ shares: 68.1% · 10.9% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.40%

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 (66 → 70), mostly because the earnings component improved by 14 points.

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202469
Q1 202568
Q2 202566
Q3 202567
Q4 202568
Q1 202670
Q2 202670
Net worth ratio
7.00%9.15%11.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.27%
Q3 202411.30%
Q4 202411.23%
Q1 202511.06%
Q2 202511.05%
Q3 202511.07%
Q4 202510.96%
Q1 202610.91%
Q2 202610.95%
Delinquent loans (60+ days)
0.44%0.61%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.51%
Q4 20240.61%
Q1 20250.50%
Q2 20250.77%
Q3 20250.72%
Q4 20250.59%
Q1 20260.49%
Q2 20260.60%
Return on assets
0.08%0.34%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 20240.20%
Q4 20240.27%
Q1 20250.08%
Q2 20250.26%
Q3 20250.32%
Q4 20250.37%
Q1 20260.48%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.2B10.95%0.60%0.59%68.1%
Q1 202670$1.2B10.91%0.49%0.48%67.1%
Q4 202568$1.2B10.96%0.59%0.37%67.3%
Q3 202567$1.2B11.07%0.72%0.32%66.4%
Q2 202566$1.1B11.05%0.77%0.26%64.5%
Q1 202568$1.1B11.06%0.50%0.08%63.2%
Q4 202469$1.1B11.23%0.61%0.27%63.5%
Q3 202469$1.1B11.30%0.51%0.20%64.0%
Q2 202469$1.1B11.27%0.44%0.14%62.9%

454 peers · $1 billion – $10 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 ratio10.95%
52nd
Problem loans0.60%
59th
Net charge-offs0.51%
50th
Return on assets0.59%
29th
Loans to deposits68.1%
88th
Uninsured deposits10.9%
34th
Loan-loss reserves0.00%
50th
Texas ratio3.4%
70th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Lafcu Credit UnionCredit union Lansing, MI72 out of 100, Strong$1.1B20.7%1.24%vs
Christian Financial Credit UnionCredit union Sterling Height, MI66 out of 100, Moderate$1.1B9.9%0.46%vs
Michigan Educational Credit UnionCredit union Plymouth, MI75 out of 100, Strong$1.1B11.7%0.29%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
4front Credit UnionCredit union Traverse City, MI54 out of 100, Below average$1.0B10.2%1.73%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs

Deposit insurance

Is my money safe at Wildfire Credit Union?

Yes. Wildfire Credit Union is a federally insured credit union (NCUA charter #60057). 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 10.9% of shares and deposits ($116.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Wildfire Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wildfire Credit Union reported 403 home-loan applications under HMDA (LEI 254900TKL128GKFR9C87): 310 originated ($58,460,000 total), 43 denied, and 47 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Wildfire Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60057
RSSD ID
547596
Primary regulator
State + NCUA
Established
1937
Headquarters
PO Box 3285, Saginaw, MI 48605
Employees
216

Quick answers

Wildfire Credit Union: common questions

Is Wildfire Credit Union NCUA insured?

Yes. Wildfire Credit Union is a federally insured credit union (NCUA charter #60057). 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 Wildfire Credit Union's TellerScore?

70 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 Wildfire Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saginaw

InstitutionScoreAssetsCapitalProblem loansCompare
Health Advantage Federal Credit UnionCredit union Saginaw, MI82 out of 100, Strong$179.3M13.4%0.33%vs
Consumers Professional Credit UnionCredit union Lansing, MI81 out of 100, Strong$149.7M16.8%1.28%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs
Thumb Bank and TrustBank Pigeon, MI77 out of 100, Strong$673.3M9.4%0.03%vs
1st State BankBank Saginaw, MI76 out of 100, Strong$490.1M12.3%0.35%vs
Lake Huron Credit UnionCredit union Saginaw, MI74 out of 100, Strong$81.5M14.8%1.25%vs