Police Federal Credit Union
Total assets
$175.8M
▲ +0.4% YoY
Shares & deposits
$145.8M
▲ +0.1% YoY
Loans
$115.7M
▼ -1.3% YoY
Members
13,960
▲ +0.4% YoY
ROA (annualized)
-0.03%
peers 0.69%
ROE (annualized)
-0.22%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.5 pts |
| Share growth (YoY) | +0.1% | +3.3% | -3.2 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.2 pts |
| ROA | -0.03% | 0.69% | -0.7 pts |
| ROE | -0.2% | 5.9% | -6.2 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 9100 Presidential Parkway, Upper Marlboro, MD, 20772
- NCUA charter #
- 16401
- RSSD ID
- 692085
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $175.8M | $145.8M | $115.7M | $25.0M | $-14K | -0.03% | 2.54% | 0.41% | 13,960 |
| Q4 2025 | $177.1M | $147.3M | $115.2M | $25.0M | $385K | 0.22% | 2.38% | 0.76% | 13,951 |
| Q3 2025 | $174.4M | $144.3M | $115.6M | $25.0M | $308K | 0.24% | 2.39% | 0.42% | 13,939 |
| Q2 2025 | $174.8M | $145.9M | $117.0M | $24.9M | $282K | 0.32% | 2.35% | 0.26% | 13,892 |
| Q1 2025 | $175.0M | $145.6M | $117.2M | $24.8M | $176K | 0.40% | 2.26% | 0.31% | 13,904 |
| Q4 2024 | $171.5M | $143.8M | $118.6M | $24.7M | $221K | 0.13% | 2.30% | 0.72% | 13,806 |
| Q3 2024 | $172.4M | $143.3M | $117.5M | $24.6M | $198K | 0.15% | 2.30% | 0.69% | 13,858 |
| Q2 2024 | $174.1M | $144.4M | $118.1M | $24.5M | $93K | 0.11% | 2.25% | 0.43% | 13,854 |
Loan mix (Q1 2026): real estate $71.6M · commercial $0 · consumer $41.1M · securities $41.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.62% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.2% | 78.7% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Signal Financial Federal Credit UnionKensington, MD · $369.1M
- Wepco Federal Credit UnionBloomington, MD · $397.3M
- Nymeo Federal Credit UnionFrederick, MD · $408.5M
- Chessie Federal Credit UnionCumberland, MD · $433.2M
- Mid-Atlantic Federal Credit UnionGermantown, MD · $448.4M
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
Selling to Police Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.