Federal credit union · Wilmington, Delaware · NCUA charter #11347
Wilmington Police & Fire
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $13.6M
- Total assets
- 3,994
- Members
- 15.2%
- Net-worth ratio
Wilmington Police & Fire scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.6M; members 3,994; net-worth ratio 15.20%; health rank #4,200 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,200 of 4,374 health · 2025Q4Wilmington Police & Fire · health 54/100 · $13.6M · 2025Q4
Call Report peers
Wilmington Police & Fire in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wilmington Police & Fire vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Wilmington Police & Fire sits in 50-54 with 82 others.
54 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Wilmington Police & Fire: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.20% here, 14.86% peer average (+0.34 pp).
- Loan-to-Share Ratio trails the peer set - 25.92% here, 59.80% peer average (-33.88 pp).
Delaware standing for Wilmington Police & Fire
- In Delaware, health place is #14 of 15 on the same NCUA-ratio sort used nationally.
- By total assets, Wilmington Police & Fire is #12 of 15 in Delaware.
- Delaware membership ordinal: #10 of 15.
- One place up in Delaware, American Spirit (#13) scores 60/100, 6 points higher; one place down, EDU (#15) scores 41/100, 13 points lower.
Quarter path for Wilmington Police & Fire
Wilmington Police & Fire: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $13.6M (2025Q4) to $13.8M (2026Q1).
- Net-worth ratio shifted -0.40 pp (15.60% → 15.20%).
15.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 54/100 score is built
Wilmington Police & Fire gives up 46 points in total. Delinquency Rate costs the most, 21.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.6 pts
- Return on Assets 0.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 8.8 pts
Wilmington Police & Fire vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.20% | +0.34 pp |
| Delinquency Rate | 3.43% | +2.28 pp |
| Return on Assets | -1.09% | -1.80 pp |
| Member Growth | 2.17% | - |
| Loan-to-Share Ratio | 25.92% | -33.88 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Wilmington Police & Fire
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.8M | - |
| 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
Branch Locations (2)
Wilmington Police & Fire operates 2 offices in Wilmington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wilmington Police & Fire FCU (Main Office) | Wilmington, DE |
| FOP Lodge | Wilmington, DE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Wilmington Police & Fire nationwide neighbourhoods
Similar total assets
Using this data
- Wilmington Police & Fire ranks #4,200 of 4,374 nationally on financial health and #14 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PROVIDENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PROVIDENT
Frequently Asked Questions
Is Wilmington Police & Fire financially healthy?
Wilmington Police & Fire has a financial health score of 54/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,200 of 4,374 nationally on health and #14 of 15 in Delaware. Its net worth ratio is 15.20% and its delinquency rate 3.43%.
How does Wilmington Police & Fire compare to other credit unions?
Wilmington Police & Fire scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (15.20% vs 14.86%). Its widest shortfall is loan-to-share ratio (25.92% vs 59.80%).
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?
Wilmington Police & Fire 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. Wilmington Police & Fire's net worth ratio of 15.20% 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.