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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Stepping Stones Community sits in 65-69 with 275 others.
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: 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).
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.
- One place up in Delaware, DOVER (#10) scores 70/100, 1 point higher; one place down, Delaware River & Bay Auth Emp (#12) scores 66/100, 3 points lower.
How Stepping Stones Community's 5300 filing moved
Stepping Stones Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +9.9% from $7.7M (2025Q4) to $8.5M (2026Q1).
- Net-worth ratio shifted +0.93 pp (45.52% → 46.45%).
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
Stepping Stones Community gives up 31 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Stepping Stones Community financially healthy?
Stepping Stones Community has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,623 of 4,374 nationally on health and #11 of 15 in Delaware. Its net worth ratio is 46.45% and its delinquency rate 4.73%.
How does Stepping Stones Community compare to other credit unions?
Stepping Stones Community scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (46.45% vs 19.06%). Its widest shortfall is loan-to-share ratio (28.91% vs 63.60%).
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?
Stepping Stones Community is a federal 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. Stepping Stones Community's net worth ratio of 46.45% 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.