Credit Union Safety Analysis
Is Police Credit Union Safe? Sheboygan, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Police Credit Union has a net worth ratio of 19.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.49%, 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 Credit Union's net worth ratio is 19.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.38%
- Delinquency ratio (60+ days) (Q2 2026): 3.49%
- Return on assets (Q2 2026): 1.05%
- Loan-to-share ratio (Q2 2026): 114.35%
Police Credit Union (NCUA charter 66663, established 1934) reported $905K in assets and 137 members for Q2 2026 from Sheboygan, Wisconsin. It ranks 97 of 98 credit unions in Wisconsin by total assets. Total assets fell 4.2% from $944K on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was up 0.92 percentage points from 18.46% on June 30, 2025. Used vehicle loans are its largest loan category, $703K of $834K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.49% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 19.27% for Q1 2026; 18.46% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.44% for Q1 2026; 0.79% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.33% for Q1 2026; 0.87% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 108.03% for Q1 2026; 112.77% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $703K
- New vehicle loans: $77K
- Other unsecured loans and lines of credit: $54K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $905K | 19.38% | 3.49% | 1.05% | 114.35% |
| March 31, 2026 | $898K | 19.27% | 0.44% | 0.33% | 108.03% |
| December 31, 2025 | $891K | 19.33% | 0.56% | -2.35% | 113.77% |
| September 30, 2025 | $951K | 18.67% | 0.62% | 1.35% | 115.59% |
| June 30, 2025 | $944K | 18.46% | 0.79% | 0.87% | 112.77% |
| March 31, 2025 | $983K | 17.52% | 0.83% | 1.49% | 112.36% |
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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.
Regulator records: NCUA credit union profile (charter 66663) · FFIEC NIC profile (RSSD 871394)
Frequently asked questions
Is Police Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Police Credit Union's net worth ratio is 19.38%, above the 7% NCUA threshold for well capitalized.
Is Police Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Police Credit Union is a federally insured credit union (NCUA charter 66663): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Police Credit Union's key safety ratios?
For Q2 2026, Police Credit Union reports net worth 19.38%, delinquency 3.49%, ROA 1.05%, loan-to-share 114.35%.
What happens to my money if Police Credit Union fails?
For Q2 2026, Police Credit Union held $730K in shares and deposits for 137 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.