Federal credit union · Omaha, Nebraska · NCUA charter #12319
Omaha Police
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $96.3M
- Total assets
- 5,377
- Members
- 9.3%
- Net-worth ratio
Omaha Police - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12319 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Omaha Police - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)94
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)83
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.29% | 30% |
| Delinquency Rate | 0.01% | 25% |
| Return on Assets | 0.74% | 15% |
| Member Growth | 0.56% | 15% |
| Loan-to-Share Ratio | 58.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $96.3M | 5,377 |
| 2024Q4 | $92.4M | 5,347 |
| 2023Q4 | $87.1M | 5,253 |
Credit Union Details
- Charter Number
- 12319
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- Nebraska
- City
- Omaha
- Data Quarter
- 2025Q4
What This Data Says About Omaha Police
5,377 members and $96.3M in total assets sit behind Omaha Police, a federal credit union in Omaha, Nebraska, which posts a health score of 90/100 (Excellent) on the five-factor composite, with $51.3M in outstanding loans as of Q4 2025 and a net worth ratio of 9.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12319 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 58.90% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.01% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.74% on net income of $709K 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 0.56%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) 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 Nebraska
A look at other Nebraska 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 Omaha Police financially healthy?
Omaha Police has a financial health score of 90/100 (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 9.29% and delinquency rate of 0.01%.
How does Omaha Police compare to other credit unions?
On PlainCU's health composite, Omaha Police lands at 90/100, compared to a peer group average for $50M–$100M 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 Omaha Police?
Omaha Police carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Omaha Police directly to confirm current membership steps.
Is my money safe at Omaha Police?
Federal credit unions like Omaha 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. Omaha Police's net worth ratio of 9.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Omaha Police offer compared to banks?
Credit unions like Omaha 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 Omaha 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.