Police & Fire Federal Credit Union
Total assets
$10.15B
▲ +4.3% YoY
Shares & deposits
$8.25B
▲ +2.9% YoY
Loans
$5.72B
▼ -2.9% YoY
Members
438,038
▼ -1.2% YoY
ROA (annualized)
1.97%
peers 0.77%
ROE (annualized)
10.79%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +7.0% | -2.7 pts |
| Share growth (YoY) | +2.9% | +6.8% | -3.9 pts |
| Loan growth (YoY) | -2.9% | +6.8% | -9.7 pts |
| ROA | 1.97% | 0.77% | +1.2 pts |
| ROE | 10.8% | 7.7% | +3.1 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 901 Arch St, Philadelphia, PA, 19107
- NCUA charter #
- 2551
- RSSD ID
- 945978
- 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 | $10.15B | $8.25B | $5.72B | $1.85B | $49.9M | 1.97% | 2.71% | 0.16% | 438,038 |
| Q4 2025 | $9.99B | $8.13B | $5.73B | $1.80B | $184.7M | 1.85% | 2.66% | 0.24% | 436,024 |
| Q3 2025 | $9.80B | $7.97B | $5.72B | $1.76B | $145.0M | 1.97% | 2.67% | 0.19% | 439,277 |
| Q2 2025 | $9.77B | $8.00B | $5.81B | $1.71B | $95.2M | 1.95% | 2.64% | 0.20% | 437,119 |
| Q1 2025 | $9.74B | $8.02B | $5.89B | $1.67B | $46.2M | 1.90% | 2.60% | 0.14% | 443,162 |
| Q4 2024 | $9.49B | $7.81B | $6.01B | $1.62B | $148.6M | 1.57% | 2.25% | 0.18% | 454,494 |
| Q3 2024 | $9.29B | $7.65B | $6.05B | $1.58B | $102.4M | 1.47% | 2.19% | 0.19% | 451,692 |
| Q2 2024 | $9.20B | $7.58B | $6.08B | $1.54B | $66.2M | 1.44% | 2.16% | 0.21% | 447,870 |
Loan mix (Q1 2026): real estate $3.88B · commercial $0 · consumer $1.84B · securities $749.1M
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.77% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 7.7% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.08% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.0% | 62.8% | 0th | |
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.
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