Federal credit union · CHICAGO, Illinois · NCUA charter #2876
National Police
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $589.5M
- Total assets
- 42,032
- Members
- 8.8%
- Net-worth ratio
National Police scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $589.5M; members 42,032; net-worth ratio 8.78%; health rank #2,346 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,346 of 4,374 health · 2025Q4National Police · health 83/100 · $589.5M · 2025Q4
- ROA 83/100
- ASSETS 8.8%
- MEM 0.76%
- RANK 0.30%
- PHOTO $589.5M
- BOOK 42,032
- CHARTER #2,346/4,374
- NCUSIF Education First
- CAMELS 2876
Call Report peers
National Police in the assets neighbourhood
National Police's $589.5M assets sit next to Education First ($590.5M) 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.
National Police 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
83 46th percentile higher than 46% 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
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: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.76% here, 0.87% peer average (-0.11 pp).
- Largest lag: Loan-to-Share Ratio at 59.34% vs peer 83.90% (-24.56 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where National Police sits in Illinois
- Illinois health ordinal: #107 of 192.
- Assets rank #19 of 192 inside Illinois ($589.5M reported).
- Illinois membership ordinal: #20 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for National Police
National Police: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $589.5M (2025Q4) to $615.1M (2026Q1).
- Net-worth ratio shifted -0.23 pp (9.01% → 8.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 12.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 12.7 pts
National Police health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.78% | -2.40 pp |
| Delinquency Rate | 0.76% | -0.11 pp |
| Return on Assets | 0.30% | -0.21 pp |
| Member Growth | -0.03% | - |
| Loan-to-Share Ratio | 59.34% | -24.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
National Police quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $615.1M | - |
| 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
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for National Police, spread across 5 cities in 5 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Chicago, IL |
| Akron Office | Akron, OH |
| North Branch | Chicago, IL |
| Midway Branch | Chicago, IL |
| South Branch | Chicago, IL |
| Texas Office | Dallas, TX |
| Indiana Office | Merrillville, IN |
| St. Louis Office | Saint Louis, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for National Police, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($589.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- National Police ranks #2,346 of 4,374 nationally on financial health and #107 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DUPAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DUPAGE
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 National Police financially healthy?
National Police has a financial health score of 83/100 (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 #2,346 of 4,374; by total assets it ranks #687 of 4,374 nationally (same basis as /rankings/largest); and #19 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.78% and delinquency rate of 0.76%.
How does National Police compare to other credit unions?
On PlainCU's health composite, National Police lands at 83/100, 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 8.78% 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.
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.