Fresno Police Department Credit Union Fresno, California
Fresno Police Department Credit Union is a state-chartered credit union headquartered in Fresno, CA, established in 1954 (NCUA charter 97096), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,505 members and total assets of $49.5M (down 1.6% from Q2 2025), the 185th largest of 238 credit unions headquartered in California. Its net worth ratio was 23.30% at Q2 2026, in the well capitalized band.
Also written as Fresno Police Department CU
BankRegReports is independent of Fresno Police Department Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 97096
- Headquarters
- Fresno, CA
- Established
- 1954
- Total assets, Q2 2026
- $49.5M
- Assets vs Q2 2025
- -1.6%
- Members, Q2 2026
- 2,505
- Net worth ratio, Q2 2026
- 23.30%
- Latest call report
- Q2 2026, NCUA 5300 · Fresno Police Department Credit Union call report
- Asset rank in state
- 185th of 238 in California
- Routing number
- 321172578
- Branches
- 2
It has 45 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 1.02 percentage points from 22.28% on June 30, 2025. New vehicle loans are its largest loan category, $4.0M of $11.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.06% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 23.30% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in California
Frequently asked about Fresno Police Department Credit Union
How big is Fresno Police Department Credit Union?
At Q2 2026 it reported total assets of $49.5M and 2,505 members.
Where is Fresno Police Department Credit Union headquartered?
It is headquartered in Fresno, CA, United States.
When was Fresno Police Department Credit Union founded?
It was established in 1954, per NCUA records.
Is Fresno Police Department Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 97096): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Fresno Police Department Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Fresno Police Department Credit Union well capitalized?
Its net worth ratio was 23.30% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Fresno Police Department Credit Union's delinquency ratio?
Its delinquency ratio was 0.06% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Fresno Police Department Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 31.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fresno, CA 93728
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 97096
- RSSD ID
- 934990
- Members
- 2,505
- Potential members
- 6,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 23.30% | 14.31% | 84th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.55% | 0.72% | 42nd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.35% | 4.74% | 34th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.08% | 3.93% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 79.77% | 79.83% | 50th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.25% | 0.78% | 83rd top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.06% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.33% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 31.59% | 58.92% | 13th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$49.5M total assets against $50.3M; $36.6M total shares and deposits against $38.8M; $11.5M total loans against $11.1M.
$11.5M net worth against $11.2M.
23.30% net worth ratio against 22.28%.
31.59% loan-to-share ratio against 28.59%.
0.06% delinquency ratio.
0.55% return on assets against 0.80%; 2.35% return on equity against 3.59%.
3.08% net interest margin against 2.90%.
2,505 members against 2,550.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 23.30% | 0.55% | 0.06% | 31.59% |
| March 31, 2026 | 22.91% | 0.69% | 0.06% | 28.78% |
| December 31, 2025 | 23.33% | 0.76% | — | 29.63% |
| September 30, 2025 | 23.35% | 0.69% | — | 28.44% |
| June 30, 2025 | 22.28% | 0.80% | — | 28.59% |
| March 31, 2025 | 21.43% | 0.71% | — | 28.50% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.