Credit Union Safety Analysis
Is The Police Credit Union of California Safe? San Francisco, California
Based on its Q2 2026 NCUA 5300 call report, The Police Credit Union of California has a net worth ratio of 12.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.89%, 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, The Police Credit Union of California's net worth ratio is 12.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.34%
- Delinquency ratio (60+ days) (Q2 2026): 0.89%
- Return on assets (Q2 2026): 0.24%
- Loan-to-share ratio (Q2 2026): 57.69%
The Police Credit Union of California (NCUA charter 60968, established 1958) reported $1.05B in assets and 37,608 members for Q2 2026 from San Francisco, California. It ranks 64 of 238 credit unions in California by total assets. Total assets fell 1.9% from $1.07B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.18% for Q1 2026; 11.96% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.39% for Q1 2026; 0.47% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.11% for Q1 2026; 0.37% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 57.54% for Q1 2026; 57.80% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $391.5M
- Used vehicle loans: $49.8M
- Unsecured credit card loans: $32.3M
- Other unsecured loans and lines of credit: $29.2M
- New vehicle loans: $23.0M
- Other secured non-real estate loans and lines of credit: $4.4M
- Commercial loans: $3.9M
- Non-federally guaranteed student loans: $109K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.05B | 12.34% | 0.89% | 0.24% | 57.69% |
| March 31, 2026 | $1.05B | 12.18% | 0.39% | 0.11% | 57.54% |
| December 31, 2025 | $1.05B | 12.22% | 0.38% | 0.30% | 58.85% |
| September 30, 2025 | $1.06B | 12.05% | 0.37% | -0.01% | 58.58% |
| June 30, 2025 | $1.07B | 11.96% | 0.47% | 0.37% | 57.80% |
| March 31, 2025 | $1.07B | 11.78% | 0.58% | -0.55% | 57.32% |
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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.
The Police Credit Union of California profile
Regulator records: NCUA credit union profile (charter 60968) · FFIEC NIC profile (RSSD 388490)
Frequently asked questions
Is The Police Credit Union of California well capitalized?
On its Q2 2026 NCUA 5300 call report, The Police Credit Union of California's net worth ratio is 12.34%, above the 7% NCUA threshold for well capitalized.
Is The Police Credit Union of California FDIC insured?
No. The FDIC insures banks, not credit unions. The Police Credit Union of California is a federally insured credit union (NCUA charter 60968): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are The Police Credit Union of California's key safety ratios?
For Q2 2026, The Police Credit Union of California reports net worth 12.34%, delinquency 0.89%, ROA 0.24%, loan-to-share 57.69%.
What happens to my money if The Police Credit Union of California fails?
For Q2 2026, The Police Credit Union of California held $925.9M in shares and deposits for 37,608 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.