Federal credit union · South Bend, Indiana · NCUA charter #18393
POLICEMEN'S
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $91.7M
- Total assets
- 4,767
- Members
- 16.1%
- Net-worth ratio
POLICEMEN'S scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $91.7M; members 4,767; net-worth ratio 16.14%; health rank #2,225 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,225 of 4,374 health · 2025Q4POLICEMEN'S · health 83/100 · $91.7M · 2025Q4
- HEALTH 83/100
- NW 16.1%
- DELQ 0.20%
- ROA 1.01%
- ASSETS $91.7M
- MEM 4,767
- RANK #2,225/4,374
- PHOTO WELLSPRING
- BOOK 18393
Call Report peers
POLICEMEN'S in the assets neighbourhood
POLICEMEN'S's $91.7M assets sit next to WELLSPRING ($91.5M) 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.
POLICEMEN'S 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
POLICEMEN'S - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18393. See our deposit-insurance coverage note.
Peer-gap read for POLICEMEN'S
- Largest favorable gap: Net Worth Ratio at 16.14% vs peer 13.62% (+2.52 pp).
- Largest lag: Loan-to-Share Ratio at 38.88% vs peer 62.60% (-23.72 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where POLICEMEN'S sits in Indiana
- In Indiana, health place is #64 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #47 of 124.
- Member book place in Indiana: #65 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How POLICEMEN'S's 5300 filing moved
POLICEMEN'S: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $91.7M (2025Q4) to $94.9M (2026Q1).
- Net-worth ratio shifted -0.23 pp (16.37% → 16.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.14%, 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 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 10.0 pts
POLICEMEN'S vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.14% | +2.52 pp |
| Delinquency Rate | 0.20% | -0.76 pp |
| Return on Assets | 1.01% | +0.35 pp |
| Member Growth | -3.33% | - |
| Loan-to-Share Ratio | 38.88% | -23.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
POLICEMEN'S filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.9M | - |
| 2025Q4 | $91.7M | 4,767 |
| 2024Q4 | $85.4M | 4,931 |
| 2023Q4 | $81.4M | 5,010 |
Credit Union Details
- Charter Number
- 18393
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- South Bend
- Data Quarter
- 2025Q4
Branch Locations (4)
POLICEMEN'S operates 4 offices across 4 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| POLICEMENS FEDERAL CREDIT UNION (Main Office) | South Bend, IN |
| ACCESS DOCUMENT STORAGE | CHICAGO, IL |
| TLCU Financial | Mishawaka, IN |
| SHARED SERVICE CENTER | SOUTH BEND, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for POLICEMEN'S
Cross-state asset and health neighbours for POLICEMEN'S - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($91.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- POLICEMEN'S ranks #2,225 of 4,374 nationally on financial health and #64 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Source is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Source
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 POLICEMEN'S financially healthy?
POLICEMEN'S scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,225 of 4,374; by total assets it ranks #1,903 of 4,374 nationally (same basis as /rankings/largest); and #47 of 124 within Indiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.14% net worth ratio and a 0.20% delinquency rate.
How does POLICEMEN'S compare to other credit unions?
Five weighted metrics from NCUA filings produce POLICEMEN'S's 83/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 POLICEMEN'S?
POLICEMEN'S 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 POLICEMEN'S directly for the current list of qualifying groups.
Is my money safe at POLICEMEN'S?
Federal credit unions like POLICEMEN'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. POLICEMEN'S's net worth ratio of 16.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does POLICEMEN'S offer compared to banks?
Credit unions like POLICEMEN'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 POLICEMEN'S 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.