Federal credit union · fresno, California · NCUA charter #97096
Fresno Police Department
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $48.8M
- Total assets
- 2,514
- Members
- 22.9%
- Net-worth ratio
Fresno Police Department scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.8M; members 2,514; net-worth ratio 22.91%; health rank #2,373 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,373 of 4,374 health · 2025Q4Fresno Police Department · health 82/100 · $48.8M · 2025Q4
- DELQ 82/100
- ROA 22.9%
- ASSETS 0.00%
- MEM 0.44%
- RANK $48.8M
- PHOTO 2,514
- BOOK #2,373/4,374
- CHARTER GOLDMARK
- NCUSIF 97096
Call Report peers
Fresno Police Department in the assets neighbourhood
Fresno Police Department's $48.8M assets sit next to GOLDMARK ($48.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fresno Police Department 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
82 43rd percentile higher than 43% 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
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: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +8.05 pp (22.91% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 29.63% vs peer 59.80% (-30.17 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Fresno Police Department in California
- In California, health place is #144 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #186 of 243.
- Member book place in California: #189 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Fresno Police Department
Fresno Police Department: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $48.8M (2025Q4) to $50.1M (2026Q1).
- Net-worth ratio shifted -0.42 pp (23.33% → 22.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 22.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 8.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.91% | +8.05 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.44% | -0.26 pp |
| Member Growth | -2.41% | - |
| Loan-to-Share Ratio | 29.63% | -30.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.1M | - |
| 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
Branch Locations (2)
Fresno Police Department operates 2 offices in Fresno, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| FPDCU (Main Office) | Fresno, CA |
| Vital Records | Fresno, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Fresno Police Department
Fresno Police Department's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($48.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Fresno Police Department ranks #2,373 of 4,374 nationally on financial health and #144 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dow Great Western is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dow Great Western
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,373 of 4,374; by total assets it ranks #2,420 of 4,374 nationally (same basis as /rankings/largest); and #186 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 22.91% 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 22.91% 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.
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.