Federal credit union · Wilmington, Delaware · NCUA charter #24845
Stepping Stones Community
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $7.7M
- Total assets
- 2,759
- Members
- 45.5%
- Net-worth ratio
Stepping Stones Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24845. See our deposit-insurance coverage note.
Stepping Stones Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)57
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 45.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 45.52% | 30% |
| Delinquency Rate | 4.73% | 25% |
| Return on Assets | 8.98% | 15% |
| Member Growth | 9.05% | 15% |
| Loan-to-Share Ratio | 28.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.7M | 2,759 |
| 2024Q4 | $5.5M | 2,530 |
| 2023Q4 | $4.6M | 2,303 |
Credit Union Details
- Charter Number
- 24845
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Delaware
- City
- Wilmington
- Data Quarter
- 2025Q4
What This Data Says About Stepping Stones Community
The five-factor composite scores Stepping Stones Community at 69/100 (Good), reflecting a net worth ratio of 45.52% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Wilmington, Delaware, reports 2,759 members, $7.7M in total assets, and $1.1M in outstanding loans as of Q4 2025 under charter #24845 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 4.73% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 28.91% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 8.98% on net income of $695K 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 9.05%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) 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 Delaware
More federally-insured credit unions based in Delaware, ordered by peer group match and asset size.
- DELAWARE RIVER & BAY AUTH EMPNEW CASTLE, DE · $2M–$10M66Health
- PROVIDENTDOVER, DE · $10M–$50M76Health
- WILMINGTON POLICE & FIREWilmington, DE · $10M–$50M54Health
- PRIORITY PLUSWILMINGTON, DE · $10M–$50M81Health
- NEW CASTLE COUNTY DELAWARE EMNEW CASTLE, DE · $10M–$50M80Health
Compare Stepping Stones Community vs DELAWARE RIVER & BAY AUTH EMP
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 Stepping Stones Community financially healthy?
A 45.52% net worth ratio and a 4.73% delinquency rate feed into Stepping Stones Community's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Stepping Stones Community compare to other credit unions?
On PlainCU's health composite, Stepping Stones Community lands at 69/100, compared to a peer group average for $2M–$10M 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 Stepping Stones Community?
Stepping Stones Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Stepping Stones Community directly for the exact boundaries and application steps.
Is my money safe at Stepping Stones Community?
Federal credit unions like Stepping Stones Community 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. Stepping Stones Community's net worth ratio of 45.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Stepping Stones Community offer compared to banks?
Credit unions like Stepping Stones Community 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 Stepping Stones Community 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.