Credit Union Safety Analysis
Is Police and Fire Federal Credit Union Safe? Philadelphia, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Police and Fire Federal Credit Union has a net worth ratio of 18.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Police and Fire Federal Credit Union's net worth ratio is 18.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): 1.96%
- Loan-to-share ratio (Q2 2026): 68.94%
Police and Fire Federal Credit Union (NCUA charter 2551, established 1938) reported $10.23B in assets and 432,372 members for Q2 2026 from Philadelphia, Pennsylvania. It is the largest of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.7% from $9.77B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 18.21% for Q1 2026; 17.53% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.16% for Q1 2026; 0.20% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.97% for Q1 2026; 2.00% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 69.35% for Q1 2026; 72.68% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.93B
- Used vehicle loans: $781.8M
- New vehicle loans: $416.4M
- Unsecured credit card loans: $306.7M
- Other unsecured loans and lines of credit: $261.2M
- Other secured non-real estate loans and lines of credit: $4.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.23B | 18.56% | 0.24% | 1.96% | 68.94% |
| March 31, 2026 | $10.15B | 18.21% | 0.16% | 1.97% | 69.35% |
| December 31, 2025 | $9.99B | 18.00% | 0.24% | 1.59% | 70.49% |
| September 30, 2025 | $9.80B | 17.99% | 0.19% | 2.04% | 71.77% |
| June 30, 2025 | $9.77B | 17.53% | 0.20% | 2.00% | 72.68% |
| March 31, 2025 | $9.74B | 17.09% | 0.14% | 1.90% | 73.47% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Police and Fire Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2551) · FFIEC NIC profile (RSSD 945978)
Frequently asked questions
Is Police and Fire Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Police and Fire Federal Credit Union's net worth ratio is 18.56%, above the 7% NCUA threshold for well capitalized.
Is Police and Fire Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Police and Fire Federal Credit Union is a federally insured credit union (NCUA charter 2551): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Police and Fire Federal Credit Union's key safety ratios?
For Q2 2026, Police and Fire Federal Credit Union reports net worth 18.56%, delinquency 0.24%, ROA 1.96%, loan-to-share 68.94%.
What happens to my money if Police and Fire Federal Credit Union fails?
For Q2 2026, Police and Fire Federal Credit Union held $8.27B in shares and deposits for 432,372 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.