Federal credit union · UPPER MARLBORO, Maryland · NCUA charter #16401
POLICE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $177.1M
- Total assets
- 13,951
- Members
- 14.2%
- Net-worth ratio
POLICE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $177.1M; members 13,951; net-worth ratio 14.24%; health rank #1,614 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,614 of 4,374 health · 2025Q4POLICE · health 87/100 · $177.1M · 2025Q4
Call Report peers
POLICE in the assets neighbourhood
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POLICE vs every NCUA-scored credit union
POLICE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
POLICE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 78.21% here, 72.20% peer average (+6.01 pp).
- Widest shortfall vs peers is Return on Assets: -0.50 pp (0.12% vs 0.62%).
POLICE in Maryland
- Health composite ranks #17 of 62 among scored Maryland credit unions.
- Maryland assets place: #30 of 62.
- Maryland membership ordinal: #29 of 62.
- One place up in Maryland, NASA (#16) scores 88/100, 1 point higher; one place down, Prince George's Community (#18) ties at 87/100.
How POLICE's 5300 filing moved
POLICE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $177.1M (2025Q4) to $175.8M (2026Q1).
- Net-worth ratio shifted +0.10 pp (14.14% → 14.24%).
At 14.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
POLICE gives up 13 points in total. Return on Assets costs the most, 5.6 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 9.4 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.9 pts
POLICE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.24% | +2.13 pp |
| Delinquency Rate | 0.76% | -0.13 pp |
| Return on Assets | 0.12% | -0.50 pp |
| Member Growth | 1.05% | - |
| Loan-to-Share Ratio | 78.21% | +6.01 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
POLICE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $175.8M | - |
| 2025Q4 | $177.1M | 13,951 |
| 2024Q4 | $171.5M | 13,806 |
| 2023Q4 | $175.2M | 13,629 |
Credit Union Details
- Charter Number
- 16401
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- UPPER MARLBORO
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for POLICE, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Upper Marlboro (Main Office) | Upper Marlboro, MD |
| DC Branch | Washington, DC |
| MPD Training Facility | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Cross-state Call Report peers for POLICE
Using this data
- POLICE ranks #1,614 of 4,374 nationally on financial health and #17 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Act 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Act 1st
Frequently Asked Questions
Is POLICE financially healthy?
POLICE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,614 of 4,374 nationally on health and #17 of 62 in Maryland. Its net worth ratio is 14.24% and its delinquency rate 0.76%.
How does POLICE compare to other credit unions?
POLICE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.21% vs 72.20%). Its widest shortfall is return on assets (0.12% vs 0.62%).
How can I join POLICE?
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 POLICE directly to confirm current membership steps.
Is my money safe at POLICE?
POLICE is a federal credit union; its shares are federally 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. POLICE's net worth ratio of 14.24% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.