# FIRE POLICE CITY COUNTY
FORT WAYNE, IN · NCUA charter 21593 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fire-police-city-county-21593

Who the members are: federal charter, multiple common bond, organized 1974, low-income designated. 11,247 members of 21,500 potential (52.3% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 95.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $209.4M |
| Members | 11,247 (-0.0% YoY) |
| Full-time staff | 57 |
| Net worth | $25.8M |
| Net worth ratio | 12.3% (p66 of band) |
| ROA (annualized) | 0.73% (p54 of band) |
| Total delinquency | 0.42% (p32 of band) |
| Net charge-offs (annualized) | 0.64% (p73 of band) |
| Loans / shares | 81% (p69 of band) |
| Cash / assets | 22.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p74 of band) |
| Operating expense / assets | 4.54% (p84 of band) |
| Vehicles % of loans | 34% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 32% (p35 of band) |
| Vehicle delinquency | 0.34% (p32 of band) |
| Vehicle NCO | 1.32% (p80 of band) |
| Repossessed % of vehicle book | 0.18% (p83 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 27% |
| Average share balance | $5,443 |
| Participations bought / yr | $5.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $5.2M |
| Loans outstanding per 100 members | 95% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,918 |
| Loans granted, annualized | $27.9M |

## Participation posture (from the same filings)

Bought $5.8M and sold $0 in the latest annualized quarter; $5.2M outstanding purchased (20.1% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 6.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | expense trap |  |
| 2020-03 | 0 |  | delinquency rising, expense trap |
| 2020-06 | 2 | net worth falling, expense trap |  |
| 2020-09 | 0 |  | net worth falling, expense trap |
| 2020-12 | 2 | expense trap, margin squeeze |  |
| 2021-03 | 3 | thin capital, net worth falling | expense trap |
| 2021-06 | 0 |  | margin squeeze, thin capital, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | expense trap, delinquency rising |  |
| 2023-06 | 1 |  | expense trap |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | net worth falling, delinquency rising |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-25 [Fire Police City County FCU rebrands to reflect company growth - WANE 15](https://news.google.com/rss/articles/CBMiogFBVV95cUxNZmJBcmtrNjh3blF4eEVFdHBmNFFIOFByYVY2di1OTk9ULU1JVUM0eHp6R2ZnLWdoY00yV1hJRGVJZnFqaE4wZG1DZ1BWUUFQY2taSjlzdWU1My1BQ01oeXJ0NUVFS2dvTi02a0RWRmt0R1BVSVdKZWhrNXBweTZTVDJVQ0NKeXlVbVUwbUlIZFhTLS1EWHlMdS1wLWhaSWY1V2fSAacBQVVfeXFMTWhiQ2ZPeDdjUmN5S2lHZkxwR3pzMlU2NXdzWjRKSTNqMldIQnFDZFZ5OU9kVndhRE93bzVNTlN2WVNxNHl2V19aT3dxbFNwZGk2c28yYlhmSXVaWWd0Zk1FSng1OE40VE96VVJDcEtWNzFVeTVuOHRQWTk5LVNQbkttTnd6dExjZXh2aTdOWGZ1eDJWQzRScVRfaHVzdENNLXhyUUNPQ2c?oc=5) · WANE 15
- 2026-03-24 [March 24: Fire Police City County Federal Credit Union announces name change - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQdE15Ni1WeUY1YjRlbUpBc2RDOHJwVy1wbmRrc3Q5UW0yRnZQdU03SUYtdVlsdF85dUc0MUVTdnBKOU5Wb1I4SGNVUnFSeDlKcnZqdkxkZGFYU3RYYmpmLW9Oa0VwcDFFb1Q4ZzhnMEkyTHZBRFFJVmJMaFMzSktsNE5yWmVPNk9o?oc=5) · Fort Wayne Business Weekly
- 2025-09-10 [Fire Police City County Federal Credit Union to construct new Fort Wayne headquarters - journalgazette.net](https://news.google.com/rss/articles/CBMihgJBVV95cUxPLTViWjFYLVpjZ256aks5NHlXV0hxVEduNFRaU2RabXFURThfQlVoOGl5UWpSdTg0a3lHS3NmVlNnbXVwTEU4ZkZSWmc5WFp5US1USm92Y0FScE1EQ0NlMWZTQ3AxckZqV0wycnZFM3AzNkNZb0lsS2tDaFdqUXBISnJDS0w5d0h4dC1BQXl0Tm9wMWZMVWpRUEdEU2dMdHF0TXlCNDY3bzh1V2NTOEgydnFXaDVRM2RnOVpnR1FJZW1CRXZTcXl5T1VETE13XzVXeDhWYXdwTUVoa25GaXktV1p6a3Npeml5b2wzYnBoeU9NbGEwcWhRLTMxUjdlQkxFaFZPMlhR?oc=5) · journalgazette.net
- 2025-03-14 [FW Firefighters Gearing up for Get Green Fest - wowo.com](https://news.google.com/rss/articles/CBMicEFVX3lxTE5TN3hvN1JqQjNZbndNdHFKbzZtUk5xUGZoaUZZc0tlaDU2dzJrUGMtX0dldUtad3BpTFIzMXV3a01NbXZQN1RKRzVsMkJXT3NVNmU1MFZobWZQZjFiRjk1ZktRZVNKY0ltaklZNWIzd08?oc=5) · wowo.com
- 2022-02-11 [Get Green Fest a ‘go’ for March in downtown Fort Wayne - WPTA | 21Alive | Fort Wayne, IN](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQOWJWNU1pRUJkV0dfU2J0M0Q5OGpaWk1LRnhEdmttVHh1aG9lSWh5T0V2MDhRQUlyMGRDNW5jQnNuaVBVLThjakgxb1I1SjlsYU9GdHVpSk45VFJ0OHdxSDNXWXpzaG95Nkxaam9NekwzQUg4Qjk2aHhoSDgya2pMMWN4VlZxZUtxOWlN0gGfAUFVX3lxTE96LW5FVGx3ZTVTV3lqTlBaZUl5QW1vYy1pNHlueWw3MWtwV1NNMnVWTDI2U3R5M1k3WUdDbmJFWEhyZ1dwb0h5SGdrMzlJOVhiWGNXcUw0Y0szVF9OT3lFQlZtSUstWjQzZ3JzTXowX1NKeE9TX0wtM3AzeVV6cUFPckRIOEd3MGc2WE5ESHZZcEVRM1RadHEzNW5FSXVPTQ?oc=5) · WPTA | 21Alive | Fort Wayne, IN
- 2024-07-01 [Jack Esterline Obituary - Fort Wayne, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNTmhxcENjblY4Qk1TQXlQU3VoZ2p4amlCOFoyZXFWLW11N1BkVUdMWjR2X1dLd3o0ZW9xRW50eHN4VkJtRTJwT1QwMW9xcVJnaEJtUl85R0FIeUxXUEpKMUoxOGZVdE9rRkIwbUQwaHhjQVNsa1FZTFd6cldveUZSMnBMWHpHTlE?oc=5) · Dignity Memorial
- 2022-06-28 [A Deceased CEO, A Big Staff Departure, No Payout Despite High Capital & A ‘We Like Them’ Partner: Here’s the Latest on 8 Proposed CU Mergers / Fresh Today / CUToday.info - cutoday.info](https://news.google.com/rss/articles/CBMi_wFBVV95cUxPSTBPVFNTZ3dBaFA0SHVwZGI0UXFzUlFJanZ0a01mOW9LaVlKbERscmp5T05rSXIyaWpFMWhZamZjc3lkeWl3V1hlWHRqWmNIOUtyUHRURTlZWF8zNEYzVVp4aVVncUJCUUlFTnRWbHgtWDRoZFRKb3VtbURDSW80aVlEM3poUGhnWWtSWTFZRXlYUUx6SVlqU1MwRTNlZU9vQlBnUEtkUnVEOFFuRVhqNVg3MTV0d1FsXzdFM3Y1cVBaSW1ac0ZZRmhUMmt3QUIwZEVLR3FBektuWkZUTEZaaU5KNzdxM1pfd3VtVTltdGF1T2ltVWRUOHZWV01UcFU?oc=5) · cutoday.info
- 2026-03-14 [Get Green Fest paints the town - journalgazette.net](https://news.google.com/rss/articles/CBMivAFBVV95cUxObGJpWHdqRkdKUmhWR3pkeUxGdVVGNm42VmxJbW9faEZlTU5XX3J4ZzQzcTA5RW1vdmV0VEJwRFl5WlhZQkZSTVluRFRNZUZyQmtDcFZ3MXBFRkcxRTZzVVZNX25LMVRHTlFid054QUFremhlQWtFSFFPei15c3NPaDFjMWJMcExHZmhTQmNKS2lFX3k0TkNIMTVxNXNyZUNIRmZBOVg3RUlyczR3VXRoRFVqTVJRMFEzekU3cw?oc=5) · journalgazette.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21593 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "21593", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21593
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide