Federal credit union · Wilmington, Delaware · NCUA charter #11347
Wilmington Police & Fire
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $13.6M
- Total assets
- 3,994
- Members
- 15.5%
- Net-worth ratio
Wilmington Police & Fire - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11347 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Wilmington Police & Fire - 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)14
- Earnings (ROA)0
- Member growth77
- Liquidity (loan-to-share)56
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.55% 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 | 15.55% | 30% |
| Delinquency Rate | 3.43% | 25% |
| Return on Assets | -1.09% | 15% |
| Member Growth | 2.17% | 15% |
| Loan-to-Share Ratio | 25.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $13.6M | 3,994 |
| 2024Q4 | $14.3M | 3,909 |
| 2023Q4 | $14.7M | 3,875 |
Credit Union Details
- Charter Number
- 11347
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $10M–$50M
- State
- Delaware
- City
- Wilmington
- Data Quarter
- 2025Q4
What This Data Says About Wilmington Police & Fire
Wilmington Police & Fire is a federal credit union headquartered in Wilmington, Delaware, serving 3,994 members with $13.6M in total assets and $2.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 54/100 (Fair), anchored by a net worth ratio of 15.55% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #11347 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 3.43% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 25.92% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.09% on net income of $-148612 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 2.17%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Association/Group). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Delaware
A look at other Delaware credit unions, ranked by how closely their peer group and asset size match this one.
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 Wilmington Police & Fire financially healthy?
A 15.55% net worth ratio and a 3.43% delinquency rate feed into Wilmington Police & Fire's financial health score of 54/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wilmington Police & Fire compare to other credit unions?
54/100 is Wilmington Police & Fire's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Wilmington Police & Fire?
Wilmington Police & Fire serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Wilmington Police & Fire directly for the current list of qualifying groups.
Is my money safe at Wilmington Police & Fire?
Federal credit unions like Wilmington Police & Fire 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. Wilmington Police & Fire's net worth ratio of 15.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wilmington Police & Fire offer compared to banks?
Credit unions like Wilmington Police & Fire 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 Wilmington Police & Fire 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.