Federal credit union · Wilmington, Delaware · NCUA charter #24845
Stepping Stones Community
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $7.7M
- Total assets
- 2,759
- Members
- 46.5%
- Net-worth ratio
Stepping Stones Community scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.7M; members 2,759; net-worth ratio 46.45%; health rank #3,623 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,623 of 4,374 health · 2025Q4Stepping Stones Community · health 69/100 · $7.7M · 2025Q4
- CAMELS 69/100
- HEALTH 46.5%
- NW 4.73%
- DELQ 8.98%
- ROA $7.7M
- ASSETS 2,759
- MEM #3,623/4,374
- RANK n/a
- PHOTO 24845
Call Report peers
Stepping Stones Community carries $7.7M 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.
Stepping Stones Community 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
69 16th percentile higher than 16% 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
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: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 46.45% vs peer 19.06% (+27.39 pp).
- Loan-to-Share Ratio trails the peer set - 28.91% here, 63.60% peer average (-34.69 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Delaware standing for Stepping Stones Community
- In Delaware, health place is #11 of 15 on the same NCUA-ratio sort used nationally.
- Assets rank #14 of 15 inside Delaware ($7.7M reported).
- Delaware membership ordinal: #11 of 15.
In-state ordinals use the live credit_unions table for DE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Stepping Stones Community's 5300 filing moved
Stepping Stones Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +9.9% from $7.7M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted +0.93 pp (45.52% → 46.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 46.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
Stepping Stones Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 46.45% | +27.39 pp |
| Delinquency Rate | 4.73% | +2.92 pp |
| Return on Assets | 8.98% | +8.52 pp |
| Member Growth | 9.05% | - |
| Loan-to-Share Ratio | 28.91% | -34.69 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).
Stepping Stones Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.5M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Stepping Stones Community runs one office.
| Office | City |
|---|---|
| Stepping Stones Community Federal Credit Union (Main Office) | Wilmington, DE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$50M86Health
Compare Stepping Stones Community vs DELAWARE RIVER & BAY AUTH EMP
Other-state peers near Stepping Stones Community
Two NCUA Call Report peer sets for Stepping Stones Community, both outside Delaware so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Stepping Stones Community ranks #3,623 of 4,374 nationally on financial health and #11 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Delaware River & Bay Auth Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Delaware River & Bay Auth Emp
- Rates and health both vary by institution, not just by state -- see how Delaware credit unions compare overall before assuming this one is typical. Delaware 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 Stepping Stones Community financially healthy?
A 46.45% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,623 of 4,374; by total assets it ranks #3,691 of 4,374 nationally (same basis as /rankings/largest); and #14 of 15 within Delaware. 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 46.45% 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.
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.