Policemen's Federal Credit Union South Bend, Indiana
Policemen's Federal Credit Union is a federal credit union headquartered in South Bend, IN, established in 1967 (NCUA charter 18393), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,739 members and total assets of $95.5M (up 7.8% from Q2 2025), the 46th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 16.39% at Q2 2026, in the well capitalized band.
Also written as Policemen's FCU
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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
- 18393
- Headquarters
- South Bend, IN
- Established
- 1967
- Total assets, Q2 2026
- $95.5M
- Assets vs Q2 2025
- +7.8%
- Members, Q2 2026
- 4,739
- Net worth ratio, Q2 2026
- 16.39%
- Latest call report
- Q2 2026, NCUA 5300 · Policemen's Federal Credit Union call report
- Asset rank in state
- 46th of 118 in Indiana
- Routing number
- 271291790
- Branches
- 4
It has 100 fewer members than on June 30, 2025 (-2.1%). Its net worth ratio was up 0.34 percentage points from 16.05% on June 30, 2025. Used vehicle loans are its largest loan category, $16.0M of $31.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.39% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Indiana
Credit unions merged into Policemen's Federal Credit Union
Frequently asked about Policemen's Federal Credit Union
How big is Policemen's Federal Credit Union?
At Q2 2026 it reported total assets of $95.5M and 4,739 members.
Where is Policemen's Federal Credit Union headquartered?
It is headquartered in South Bend, IN, United States.
When was Policemen's Federal Credit Union founded?
It was established in 1967, per NCUA records.
Is Policemen's Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 18393): 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 Policemen's Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Policemen's Federal Credit Union well capitalized?
Its net worth ratio was 16.39% 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 Policemen's Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.29% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Policemen's Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 39.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- South Bend, IN 46601
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1967
- NCUA Charter #
- 18393
- RSSD ID
- 591384
- Members
- 4,739
- Potential members
- 7,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 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: 11.14% to 19.38% | 16.39% | 14.31% | 60th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.40% | 0.72% | 78th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.57% | 4.74% | 74th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.89% | 3.93% | 14th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 60.05% | 79.83% | 86th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.19% | 0.78% | 27th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.29% | 0.86% | 79th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.09% | 4.70% | 21st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 39.13% | 58.92% | 21st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$95.5M total assets against $88.7M; $80.1M total shares and deposits against $74.9M; $31.4M total loans against $30.1M.
$15.7M net worth against $14.2M.
16.39% net worth ratio against 16.05%.
39.13% loan-to-share ratio against 40.13%.
0.29% delinquency ratio against 0.17%.
1.40% return on assets against 1.33%; 8.57% return on equity against 8.28%.
2.89% net interest margin against 2.72%.
4,739 members against 4,839.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.39% | 1.40% | 0.29% | 39.13% |
| March 31, 2026 | 16.14% | 1.29% | 0.30% | 37.39% |
| December 31, 2025 | 16.37% | 1.31% | 0.20% | 38.88% |
| September 30, 2025 | 16.49% | 2.25% | 0.22% | 40.36% |
| June 30, 2025 | 16.05% | 1.33% | 0.17% | 40.13% |
| March 31, 2025 | 15.78% | 1.16% | 0.16% | 40.73% |
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.