Federal credit union · fresno, California · NCUA charter #97096
Fresno Police Department
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $48.8M
- Total assets
- 2,514
- Members
- 23.2%
- Net-worth ratio
Fresno Police Department - Share Insurance Coverage
Charter #97096's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Fresno Police Department - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)94
- Member growth31
- Liquidity (loan-to-share)58
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 23.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.24% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.44% | 15% |
| Member Growth | -2.41% | 15% |
| Loan-to-Share Ratio | 29.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $48.8M | 2,514 |
| 2024Q4 | $50.2M | 2,576 |
| 2023Q4 | $50.3M | 2,617 |
Credit Union Details
- Charter Number
- 97096
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- fresno
- Data Quarter
- 2025Q4
What This Data Says About Fresno Police Department
Charter #97096, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Fresno Police Department, a federal credit union in fresno, California with 2,514 members, $48.8M in total assets, and $10.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 23.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 29.63% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.44% on net income of $215K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.41%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Fresno Police Department financially healthy?
Fresno Police Department has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 23.24% and delinquency rate of 0.00%.
How does Fresno Police Department compare to other credit unions?
Five weighted metrics from NCUA filings produce Fresno Police Department's 82/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Fresno Police Department?
Membership eligibility for Fresno Police Department depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fresno Police Department directly for current membership requirements and application steps.
Is my money safe at Fresno Police Department?
Federal credit unions like Fresno Police Department 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. Fresno Police Department's net worth ratio of 23.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fresno Police Department offer compared to banks?
Credit unions like Fresno Police Department 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 Fresno Police Department directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.