State credit union · DES MOINES, Iowa · NCUA charter #65039
Polk County
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $5.5M
- Total assets
- 654
- Members
- 23.3%
- Net-worth ratio
Polk County scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 654; net-worth ratio 23.26%; health rank #2,516 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,516 of 4,374 health · 2025Q4Polk County · health 81/100 · $5.5M · 2025Q4
- MEM 81/100
- RANK 23.3%
- PHOTO 1.02%
- BOOK 0.91%
- CHARTER $5.5M
- NCUSIF 654
- CAMELS #2,516/4,374
- HEALTH n/a
- NW 65039
Call Report peers
Polk County carries $5.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Polk County 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
81 39th percentile higher than 39% 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
Polk County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65039. See our deposit-insurance coverage note.
Polk County vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +30.65 pp (94.25% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Polk County sits in Iowa
- Health composite ranks #47 of 66 among scored Iowa credit unions.
- Iowa assets place: #57 of 66.
- Membership ranks #58 of 66 among Iowa CUs with a reported count (654 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Polk County Call Report trajectory
Polk County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.93 pp (22.33% → 23.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 23.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 12.8 pts
Polk County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.26% | +4.20 pp |
| Delinquency Rate | 1.02% | -0.79 pp |
| Return on Assets | 0.91% | +0.46 pp |
| Member Growth | -3.11% | - |
| Loan-to-Share Ratio | 94.25% | +30.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Polk County
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.5M | 654 |
| 2024Q4 | $5.4M | 675 |
| 2023Q4 | $5.1M | 682 |
Credit Union Details
- Charter Number
- 65039
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Iowa
- City
- DES MOINES
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Polk County runs one office.
| Office | City |
|---|---|
| Polk County Credit Union (Main Office) | Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
- ALLEN HOSPITAL PERSONNELWaterloo, IA · $2M–$10M79Health
- BURLINGTON MUNICIPAL EMPLOYEESBurlington, IA · $2M–$10M82Health
- DU PONT EMPLOYEESFort Madison, IA · $2M–$10M99Health
- DUBUQUE POSTAL EMPLOYEESDUBUQUE, IA · $2M–$10M87Health
- GAS & ELECTRIC EMPLOYEESmason city, IA · $2M–$10M88Health
Other-state peers near Polk County
Cross-state asset and health neighbours for Polk County - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Polk County ranks #2,516 of 4,374 nationally on financial health and #47 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Allen Hospital Personnel is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Allen Hospital Personnel
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 Polk County financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Polk County carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,516 of 4,374; by total assets it ranks #3,843 of 4,374 nationally (same basis as /rankings/largest); and #57 of 66 within Iowa. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.26% net worth ratio and a 1.02% delinquency rate.
How does Polk County compare to other credit unions?
Five weighted metrics from NCUA filings produce Polk County's 81/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Polk County?
Membership eligibility for Polk County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Polk County directly for current membership requirements and application steps.
Is my money safe at Polk County?
Federal credit unions like Polk County 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. Polk County's net worth ratio of 23.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Polk County offer compared to banks?
Credit unions like Polk County 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 Polk County 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.