State credit union · KENOSHA, Wisconsin · NCUA charter #66410
Kenosha Police and Firemen's
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $8.7M
- Total assets
- 1,103
- Members
- 40.2%
- Net-worth ratio
Kenosha Police and Firemen's - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66410, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Kenosha Police and Firemen's - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)73
- Earnings (ROA)42
- Member growth44
- Liquidity (loan-to-share)86
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 40.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 40.25% | 30% |
| Delinquency Rate | 1.24% | 25% |
| Return on Assets | 0.04% | 15% |
| Member Growth | -1.34% | 15% |
| Loan-to-Share Ratio | 60.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.7M | 1,103 |
| 2024Q4 | $8.4M | 1,118 |
| 2023Q4 | $8.7M | 1,120 |
Credit Union Details
- Charter Number
- 66410
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Wisconsin
- City
- KENOSHA
- Data Quarter
- 2025Q4
What This Data Says About Kenosha Police and Firemen's
The five-factor composite scores Kenosha Police and Firemen's at 74/100 (Very Good), reflecting a net worth ratio of 40.25% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in KENOSHA, Wisconsin, reports 1,103 members, $8.7M in total assets, and $3.1M in outstanding loans as of Q4 2025 under charter #66410 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.24% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 60.80% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.04% on net income of $4K 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 -1.34%. 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 Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
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 Kenosha Police and Firemen's financially healthy?
Yes/no aside, the number is 74/100 (Very Good) - Kenosha Police and Firemen's's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 40.25% net worth ratio and 1.24% delinquency rate are the key drivers.
How does Kenosha Police and Firemen's compare to other credit unions?
PlainCU's health composite puts Kenosha Police and Firemen's at 74/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Kenosha Police and Firemen's?
Membership eligibility for Kenosha Police and Firemen's depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Kenosha Police and Firemen's directly for current membership requirements and application steps.
Is my money safe at Kenosha Police and Firemen's?
Federal credit unions like Kenosha Police and Firemen's 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. Kenosha Police and Firemen's's net worth ratio of 40.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kenosha Police and Firemen's offer compared to banks?
Credit unions like Kenosha Police and Firemen's 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 Kenosha Police and Firemen's 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.