State credit union · DULUTH, Minnesota · NCUA charter #64359
Duluth Police Department Employees
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $7.8M
- Total assets
- 692
- Members
- 22.1%
- Net-worth ratio
Duluth Police Department Employees scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.8M; members 692; net-worth ratio 22.09%; health rank #874 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#874 of 4,374 health · 2025Q4Duluth Police Department · health 91/100 · $7.8M · 2025Q4
- NCUSIF 91/100
- CAMELS 22.1%
- HEALTH 0.02%
- NW 0.69%
- DELQ $7.8M
- ROA 692
- ASSETS #874/4,374
- MEM n/a
- RANK 64359
Call Report peers
Duluth Police Department Employees carries $7.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Duluth Police Department Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Duluth Police Department Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64359. See our deposit-insurance coverage note.
Duluth Police Department Employees vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +8.25 pp (71.85% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Duluth Police Department Employees in Minnesota
- Minnesota health ordinal: #24 of 82.
- Assets rank #71 of 82 inside Minnesota ($7.8M reported).
- Membership ranks #74 of 82 among Minnesota CUs with a reported count (692 members).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Duluth Police Department Employees
Duluth Police Department Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $7.8M (2025Q4) to $8.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (22.18% → 22.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 22.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 14.8 pts
Duluth Police Department health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.09% | +3.03 pp |
| Delinquency Rate | 0.02% | -1.79 pp |
| Return on Assets | 0.69% | +0.24 pp |
| Member Growth | -1.56% | - |
| Loan-to-Share Ratio | 71.85% | +8.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Duluth Police Department Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.0M | - |
| 2025Q4 | $7.8M | 692 |
| 2024Q4 | $7.9M | 703 |
| 2023Q4 | $9.0M | 709 |
Credit Union Details
- Charter Number
- 64359
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- DULUTH
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Duluth Police Department Employees.
| Office | City |
|---|---|
| Duluth Police Department Employees Credit Union (Main Office) | Duluth, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Cross-state Call Report peers for Duluth Police Department
Duluth Police Department Employees's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Duluth Police Department Employees ranks #874 of 4,374 nationally on financial health and #24 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIVERVIEW is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIVERVIEW
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Duluth Police Department Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Duluth Police Department Employees carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #874 of 4,374; by total assets it ranks #3,686 of 4,374 nationally (same basis as /rankings/largest); and #71 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 22.09% net worth ratio and a 0.02% delinquency rate.
How does Duluth Police Department Employees compare to other credit unions?
On PlainCU's health composite, Duluth Police Department Employees lands at 91/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Duluth Police Department Employees?
Membership eligibility for Duluth Police Department Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Duluth Police Department Employees directly for current membership requirements and application steps.
Is my money safe at Duluth Police Department Employees?
Federal credit unions like Duluth Police Department Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Duluth Police Department Employees's net worth ratio of 22.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Duluth Police Department Employees offer compared to banks?
Credit unions like Duluth Police Department Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Duluth Police Department Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.