The Police Credit Union of California San Francisco, California
The Police Credit Union of California is a state-chartered credit union headquartered in San Francisco, CA, established in 1958 (NCUA charter 60968), and it is regulated and insured by the NCUA. At Q2 2026 it reported 37,608 members and total assets of $1.05B (down 1.9% from Q2 2025), the 64th largest of 238 credit unions headquartered in California. Its net worth ratio was 12.34% at Q2 2026, in the well capitalized band.
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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
- 60968
- Headquarters
- San Francisco, CA
- Established
- 1958
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- -1.9%
- Members, Q2 2026
- 37,608
- Net worth ratio, Q2 2026
- 12.34%
- Latest call report
- Q2 2026, NCUA 5300 · The Police Credit Union of California call report
- Asset rank in state
- 64th of 238 in California
- Routing number
- 321076496
- Branches
- 5
It has 1,679 fewer members than on June 30, 2025 (-4.3%). Its net worth ratio was up 0.38 percentage points from 11.96% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $391.5M of $534.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.34% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in California
Frequently asked about The Police Credit Union of California
How big is The Police Credit Union of California?
At Q2 2026 it reported total assets of $1.05B and 37,608 members.
Where is The Police Credit Union of California headquartered?
It is headquartered in San Francisco, CA, United States.
When was The Police Credit Union of California founded?
It was established in 1958, per NCUA records.
Is The Police Credit Union of California FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60968): 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 The Police Credit Union of California?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is The Police Credit Union of California well capitalized?
Its net worth ratio was 12.34% 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 The Police Credit Union of California's delinquency ratio?
Its delinquency ratio was 0.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is The Police Credit Union of California's loan-to-share ratio?
Its loan-to-share ratio was 57.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Francisco, CA 94122
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 60968
- RSSD ID
- 388490
- Members
- 37,608
- Potential members
- 140,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.34% | 10.89% | 71st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.24% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 1.92% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.11% | 3.45% | 29th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 89.46% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.83% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.89% | 0.68% | 35th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 3.94% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 57.69% | 88.03% | 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
$1.05B total assets against $1.07B; $925.9M total shares and deposits against $952.5M; $534.1M total loans against $550.6M.
$129.1M net worth against $127.6M.
12.34% net worth ratio against 11.96%.
57.69% loan-to-share ratio against 57.80%.
0.89% delinquency ratio against 0.47%.
0.24% return on assets against 0.37%; 1.92% return on equity against 3.07%.
3.11% net interest margin against 2.56%.
37,608 members against 39,287.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.34% | 0.24% | 0.89% | 57.69% |
| March 31, 2026 | 12.18% | 0.11% | 0.39% | 57.54% |
| December 31, 2025 | 12.22% | 0.30% | 0.38% | 58.85% |
| September 30, 2025 | 12.05% | -0.01% | 0.37% | 58.58% |
| June 30, 2025 | 11.96% | 0.37% | 0.47% | 57.80% |
| March 31, 2025 | 11.78% | -0.55% | 0.58% | 57.32% |
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.