# POLICE & FIRE
Philadelphia, PA · NCUA charter 2551 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/police-and-fire-2551

Who the members are: federal charter, multiple common bond, organized 1938. 438,038 members of 600,000 potential (73.0% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 99.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.15B |
| Members | 438,038 (-1.2% YoY) |
| Full-time staff | 808 |
| Net worth | $1.85B |
| Net worth ratio | 18.2% (p100 of band) |
| ROA (annualized) | 1.97% (p100 of band) |
| Total delinquency | 0.16% (p8 of band) |
| Net charge-offs (annualized) | 0.34% (p12 of band) |
| Loans / shares | 69% (p8 of band) |
| Cash / assets | 34.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.71% (p17 of band) |
| Operating expense / assets | 1.54% (p8 of band) |
| Vehicles % of loans | 22% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 45% (p21 of band) |
| Vehicle delinquency | 0.12% (p4 of band) |
| Vehicle NCO | 0.24% (p8 of band) |
| Repossessed % of vehicle book | 0.02% (p21 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 23% |
| Certificates % of member funds | 7% |
| Average share balance | $5,836 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 99% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $13,145 |
| Loans granted, annualized | $1.40B |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 0 |  | members leaving |

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

- 2016-11-01 [The best states for police and fire credit unions - Police1](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPYTlEQXg4SnUySVB3bUxvQlV2RUlJS01jSDdiTG5LYk5lWk9IZG1hZTkyZklVdkpUWlB5R0NKX3FOeUg2U0JlVUxpczloM1MtQnlrajNFS2J0djZwVzRKamZqNWZiM2hPZkxScXRiWUdRWmtDYnM1UEhnMlY4dmdhZ3M1d2FHSGZtdXZtZmJvdmdoMnZpcXVFOTdJakFiNW5qRUpnM1A2bk1WNjNRQ214NVN6SEJsbHlrWTVz?oc=5) · Police1
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS0drOGU3TGtueEZLZ2Q5TFk1NnQydjFJTlZ0UHdtZ0FBTFkyZWQ5UW9nQkNEV3ZyaVh3WVR3am9oWVBSQ1QzZk8tV29STVlFOS1NaDBLdDg4Qklma01NS2p3ZFo5cU45dllhbC04QVg1SldDTVRjeURiMXFyak5GT0YtdFpFSy1KMnJ1V1EyX19ub016?oc=5) · Newsweek Rankings
- 2024-08-14 [Navy Federal Credit Union opens Bucks County location, plans expansion in Philadelphia market - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOcFRFUDhaT19HZzFMaUp0UWNReW5yZUQyYndybFh0dHpmLVRhTjZ1SzBENVlVVGtoU0NQMDNCNDBoS2N2dTNrWnUycTBDVWJrRkpWTWl4cUZDQzZJQnFtb3JUSWo1UmF3SG1zc3BHNG5zb0xsQk9wUWsweUtnWmdQN1NBLU9qZzY0dndBdWVrYUtkTFlhV1ZDRFQ4RUhFenFJSXBhMVFaNFJjV1Bj?oc=5) · The Business Journals
- 2019-01-31 [Barbara M. McInnes - In Loving Memory - Joseph A. Fluehr III Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5kOU40TkY1M19hQWxhcFZOV3NfQmhGM05EN3lpVWtvdUR2eTMxVkktYm42cFZiRUl4REZPYlhiTWlvb19fSFZBdlhBRURfQU1SLUlieXJXWm9uVDFKWW5mOGdjbDMxTHdxdmJ3MzhTcw?oc=5) · Joseph A. Fluehr III Funeral Home
- 2021-09-22 [Obituary of Carolyn E. Veneri - Pagano Funeral Home](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSWZTVkFPX1p6c0Fld0YzVlllQ3ZuSFN6M1Y0Y3dGRVB3ZlJac3JpNU1FRUVLRFpqRXRDbm5DS05rejhlUHNVdVhIblAtRkRDdlVOb3diak1tRXNTUl9xRTE5a2ZVaGlVR1J1R210UHFaY2JRSHY1bEJvR2ZVZXRLXzFCNlBfUQ?oc=5) · Pagano Funeral Home
- 2024-10-10 [After U.S. probe, one of Pa.’s largest credit unions agrees to lend more to Philly’s Black, Latino homebuyers - Inquirer.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOU0I0aDdycjBJMEVsblNaanVzMl9SeEtTMTR2WU9RT2lfWFFtUE9vOXI1eXpCY0dqaGFXeWdhbWNLWXYtdEt4dVRQczEwcHA5ZWZpVzRFRjJtZm5UWW5Gb2pDRlBzOUhtNTBDajU0N0prbjF5am91UnRTYTdqeVZpeWh2RkdCMUdLT01WczB1amlQWVJPYjM0ejFFbGdOc0JfR1Zab0ZtY3J6d0xLb3BZTg?oc=5) · Inquirer.com
- 2012-06-25 [Eastern District of Pennsylvania - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTE5yemhINlJNcXIwT3ZCWEZPeWFkZlYxWlgtcGphWW93UUJlbDYwUHZ1NUp5Q3FiY1pYbnhSb0xjVnkzM2lENnFsdGRIQldjVngyWUI0YXktemdHel9YaFd2NEVuUjY5aTNMYVNCazIycENiUVI4WUtUa2VUQ0toWE0?oc=5) · Department of Justice (.gov)
- 2025-02-03 [Business Review: Top Tier Federal Credit Union maintains community centric focus - thederrick.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxNUzNiX196bVJYbjFpVmpRR0ZDSlBjTTZlQTI1WU5DVHloYXFrZ0FyRnVRNUtOaHRLNWtnZGpacGZiYmcwbFE4ZUZKYVlhZFE5Y2dzNE5lempNSXBZSGxvcV9DWWRTdjhaVk5CNnd5S1d0UURHYnowMXR0a293U3lDZXE4d1VXZmpMWDE4ZjlQNVZrYnl4YjFuZFVPLXQ0eGF3RkZIcEpsLThVUkVIOEQtZlJNRmFfNVlYY3MyTjlJU2VubnZnRjFGbVA5MndHelF5bWxOa2gxdVg2UGxjbUJ0T0ZhUHdSSi1rNktrTnF3OUtBdE9ZSXRsaFdBWDB1LWt6SVE?oc=5) · thederrick.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2551 (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/55.json (key "2551", 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=2551
- 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