Federal credit union · CHICAGO, Illinois · NCUA charter #2876
National Police
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $589.5M
- Total assets
- 42,032
- Members
- 8.4%
- Net-worth ratio
National Police - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2876: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
National Police - 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)87
- Asset quality (delinquency)90
- Earnings (ROA)80
- Member growth60
- Liquidity (loan-to-share)84
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.40% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 0.30% | 15% |
| Member Growth | -0.03% | 15% |
| Loan-to-Share Ratio | 59.34% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $589.5M | 42,032 |
| 2024Q4 | $575.4M | 42,046 |
| 2023Q4 | $574.2M | 42,616 |
Credit Union Details
- Charter Number
- 2876
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Illinois
- City
- CHICAGO
- Data Quarter
- 2025Q4
What This Data Says About National Police
Headquartered in CHICAGO, Illinois, National Police is a federal credit union with 42,032 members, $589.5M in total assets, and $318.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 82/100 (Excellent), driven in part by a net worth ratio of 8.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #2876 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.76% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 59.34% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.30% on net income of $1.8M 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 -0.03%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, 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 National Police financially healthy?
National Police 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 8.40% and delinquency rate of 0.76%.
How does National Police compare to other credit unions?
On PlainCU's health composite, National Police lands at 82/100, compared to a peer group average for Over $500M 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 National Police?
National Police serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact National Police directly for the current list of qualifying groups.
Is my money safe at National Police?
Federal credit unions like National Police 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. National Police's net worth ratio of 8.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does National Police offer compared to banks?
Credit unions like National Police 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 National Police 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.