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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Polk County sits in 80-84 with 767 others.
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 vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +30.65 pp (94.25% vs 63.60%).
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).
- One place up in Iowa, Burlington Municipal Employees (#46) scores 82/100, 1 point higher; one place down, Allen Hospital Personnel (#48) scores 79/100, 2 points lower.
Polk County Call Report trajectory
Polk County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.93 pp (22.33% → 23.26%).
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
Polk County gives up 19 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Polk County financially healthy?
Polk County has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,516 of 4,374 nationally on health and #47 of 66 in Iowa. Its net worth ratio is 23.26% and its delinquency rate 1.02%.
How does Polk County compare to other credit unions?
Polk County scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (94.25% vs 63.60%).
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?
Polk County is a state-chartered 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. Polk County's net worth ratio of 23.26% 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.