Police and Fire Federal Credit Union Philadelphia, Pennsylvania
Police and Fire Federal Credit Union is a federal credit union headquartered in Philadelphia, PA, established in 1938 (NCUA charter 2551), and it is regulated and insured by the NCUA. At Q2 2026 it reported 432,372 members and total assets of $10.23B (up 4.7% from Q2 2025), the largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 18.56% at Q2 2026, in the well capitalized band.
Also written as Police and Fire FCU · Trade name filed with the NCUA: PFFCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2551
- Headquarters
- Philadelphia, PA
- Established
- 1938
- Total assets, Q2 2026
- $10.23B
- Assets vs Q2 2025
- +4.7%
- Members, Q2 2026
- 432,372
- Net worth ratio, Q2 2026
- 18.56%
- Latest call report
- Q2 2026, NCUA 5300 · Police and Fire Federal Credit Union call report
- Asset rank in state
- 1st of 269 in Pennsylvania
- Routing number
- 236084285
- Branches
- 18
It has 4,747 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 1.03 percentage points from 17.53% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.93B of $5.70B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 18.56% net worth ratio is above that band's 10.42% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Police and Fire Federal Credit Union
How big is Police and Fire Federal Credit Union?
At Q2 2026 it reported total assets of $10.23B and 432,372 members.
Where is Police and Fire Federal Credit Union headquartered?
It is headquartered in Philadelphia, PA, United States.
When was Police and Fire Federal Credit Union founded?
It was established in 1938, per NCUA records.
Is Police and Fire Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2551): 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 Police and Fire Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Police and Fire Federal Credit Union well capitalized?
Its net worth ratio was 18.56% 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 Police and Fire Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Police and Fire Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 68.94% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Philadelphia, PA 19107
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 2551
- RSSD ID
- 945978
- Members
- 432,372
- Potential members
- 600,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 4 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: 9.55% to 11.84% | 18.56% | 10.42% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.31% | 1.96% | 0.97% | 87th top |
| Return on equity Middle half of peers: 6.05% to 14.24% | 10.56% | 9.50% | 56th above |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 2.70% | 3.17% | 16th bottom |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 41.92% | 61.32% | over 90th top |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.82% | 1.88% | 58th above |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 0.24% | 0.91% | over 90th top |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 4.52% | 5.07% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 68.94% | 89.87% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.23B total assets against $9.77B; $8.27B total shares and deposits against $8.00B; $5.70B total loans against $5.81B.
$1.90B net worth against $1.71B.
18.56% net worth ratio against 17.53%.
68.94% loan-to-share ratio against 72.68%.
0.24% delinquency ratio against 0.20%.
1.96% return on assets against 2.00%; 10.56% return on equity against 11.43%.
2.70% net interest margin against 2.69%.
432,372 members against 437,119.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.56% | 1.96% | 0.24% | 68.94% |
| March 31, 2026 | 18.21% | 1.97% | 0.16% | 69.35% |
| December 31, 2025 | 18.00% | 1.59% | 0.24% | 70.49% |
| September 30, 2025 | 17.99% | 2.04% | 0.19% | 71.77% |
| June 30, 2025 | 17.53% | 2.00% | 0.20% | 72.68% |
| March 31, 2025 | 17.09% | 1.90% | 0.14% | 73.47% |
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.