State credit union · SAN BRUNO, California · NCUA charter #60968
The Police
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $1.05B
- Total assets
- 38,513
- Members
- 12.2%
- Net-worth ratio
The Police - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60968, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
The Police - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth0
- Liquidity (loan-to-share)83
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.19% | 30% |
| Delinquency Rate | 0.38% | 25% |
| Return on Assets | -0.52% | 15% |
| Member Growth | -8.15% | 15% |
| Loan-to-Share Ratio | 58.85% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.05B | 38,513 |
| 2024Q4 | $1.05B | 41,930 |
| 2023Q4 | $1.08B | 43,307 |
Credit Union Details
- Charter Number
- 60968
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- SAN BRUNO
- Data Quarter
- 2025Q4
What This Data Says About The Police
Headquartered in SAN BRUNO, California, The Police is a state credit union with 38,513 members, $1.05B in total assets, and $547.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 67/100 (Good), driven in part by a net worth ratio of 12.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60968 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.38% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 58.85% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.52% on net income of $-5437322 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 -8.15%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
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 The Police financially healthy?
Yes/no aside, the number is 67/100 (Good) - The Police's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.19% net worth ratio and 0.38% delinquency rate are the key drivers.
How does The Police compare to other credit unions?
67/100 is The Police's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 The Police?
Membership eligibility for The Police depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Police directly for current membership requirements and application steps.
Is my money safe at The Police?
Federal credit unions like The Police 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. The Police's net worth ratio of 12.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Police offer compared to banks?
Credit unions like The Police 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 The Police 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.