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Overview / Commentary
9200 E 41st St
Tulsa, OK 74145

Fire Fighters Credit Union is headquartered in Tulsa and is the 32nd largest credit union in the state of Oklahoma. It is also the 2,729th largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 11 employees and 5,154 members. Fire Fighters Credit Union's savings rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be a Fire Department Employee belonging to the OK State Fire Fighters Association - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Fire Fighters Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fire Fighters Credit Union had $33,000 in non-current loans and owned real-estate with $5.5 million in equity and loan loss allowances on hand to cover it. This gives Fire Fighters Credit Union a Texas Ratio of 0.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fire Fighters Credit Union experienced no significant changes from 0.45% as of March 31, 2013 to 0.60% as of March 31, 2014, resulting in a negative change of 34.07%. This indicates that the balance sheet and financial strength for Fire Fighters Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Fire Fighters Credit Union has increased its total deposits by $1.17 million, resulting in 4.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fire Fighters Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fire Fighters Credit Union has $36.12 million in assets with $5.5 million in equity, resulting in a capitalization level of 15.22%, which is excellent.

Institution Statistics

NCUA #60696
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$36.12 million
Loans$18.59 million
Deposits$30.00 million
Equity Capital$5.44 million
Loan Loss Allowance$59,000
Unbacked Noncurrent Loans$33,000
Real Estate Owned$0
Historic Data - March 2013
Assets$34.47 million
Equity Capital$5.33 million
Loan Loss Allowance$37,000
Unbacked Noncurrent Loans$33,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.34%
Return on Equity2.28%
Interest Income$315,000
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Fire Fighters Credit Union Savings Account Rates

0.65%$100-IRA Shares
0.40%$20k-Regular Shares
0.40%$20k-Business Shares
0.40%$20k-Estate Shares
0.40%$25-Holiday Shares

Fire Fighters Credit Union Checking Account Rates

0.05%$100-Share Draft

Fire Fighters Credit Union Locations
Branch Office9200 E 41st StTulsa, OK 74145