# PROFESSIONAL POLICE OFFICERS
Indianapolis, IN · NCUA charter 82769 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/professional-police-officers-82769

Who the members are: state charter, organized 1931. 3,230 members of 10,000 potential (32.3% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $57.7M |
| Members | 3,230 (-1.6% YoY) |
| Full-time staff | 5 |
| Net worth | $8.5M |
| Net worth ratio | 14.7% (p68 of band) |
| ROA (annualized) | 0.76% (p54 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | 0.00% (p15 of band) |
| Loans / shares | 49% (p28 of band) |
| Cash / assets | 50.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.85% (p12 of band) |
| Operating expense / assets | 2.47% (p14 of band) |
| Vehicles % of loans | 43% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 76% |
| Certificates % of member funds | 24% |
| Average share balance | $9,668 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $16,812 |
| Loans granted, annualized | $4.4M |

## 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 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | assets shrinking |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 | loan book shrinking | net worth falling |
| 2025-12 | 0 |  | loan book shrinking |
| 2026-03 | 0 |  |  |

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

- 2022-03-13 [Recovery fund established for IMPD officer shot in Fountain Square - WTHR](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNcWRMT1R5a1BoRElOSlJWZzVHR0lQaEJCWlpvYlcyNzhNZndmUEd2YVJ5ekFVR3F4ODJaWHh5OGJuVmdTUUxPWndRVzNwUHlEWmFJZFlkcldVbUEyNEFQUmpqamJ6Z3RaSUgwbGZYLXFHcVJjZWxBLWdma2lCVHdDRUYyU09rcFZ3aXdmREVMUTlWVXprTy0wMjdaSTlnTzZIRV8zcGhqTWpVRC1fWG9yT2J0NmE0RjJERWg0Ri1BaWlpZG40T2MzRkxYUXM1cUpVM2hMem1xNGxGY3Y2dWpjeg?oc=5) · WTHR
- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1
- 2021-12-28 [Fundraiser set up for IMPD officer who lost home in fire - Fox 59](https://news.google.com/rss/articles/CBMihwFBVV95cUxPVWlaMVE2c2JRRENZMndOME9ieTQ3Zk1NclNpMmluOWlyRDhqdkg5WWl0RmpMenlkVFdKVWgtYmRIc2xaNVNYaFB3UnpmVWpVaDRxc3dUd2N0VmdlX1NFMUZGaTlQdXBUaENBNGpYT2Q1UHAxZ21DcUNnc2dHTjdqN3pKVGIzRDTSAYwBQVVfeXFMUFBmY1Flb0o4Q2dvbWZvRTR6YmU2eDdta0FKeHFzRHNGX19XaXJTS1JvclJEYXNUb2I5WkNET3RLVjVCODBsNDZWUGxIV3VXN1h4LVY4YV9VWW1SdXpMMzU1OHRvTldELWlFa0gzRmVLamd6aXB3SFhvRjM5ZUltaGtKWU14ak5vVGRzNFQ?oc=5) · Fox 59
- 2022-04-26 [Wayne Twp. siblings killed by falling tree at campground - WRTV](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQby1ldkRqU0ZUZ2VqSVQ5eDdHUGc4eC1CakNyUHYwYjY3aXQxMG95M0Q2TGNkTDZJcVdmc3JOVVE5LWxkVWJhd2lMamJheFNRWV8zbC1UdF85bWh1UDJaaHI0Qy1ndWx5NHVfcjlBWGVuYm0zMC1pMnNkazMzb29TNWkwOW9KVVFHTWpZcktlQzA1QmhVOTluOVZaaVZtYmk1MkZ0MWpoNy05T01tYjZnRWpRZkVQd3VWZ1J3?oc=5) · WRTV
- 2018-03-05 [Julianna Lapadat Obituary - Indianapolis, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOVdGS1Vta090RHFXODBlWC0tRkJnUUNKZklWejhKbHNFVkx0WDd4dXFPdE8zM29maU5tTVNHS19jZUt0WFZ0WVFQZUVqd19DUmc4WTFseTBaV1d1d2Nfb3UyTG1QVkp6SkRzUFkzM2xoV3dPTXEtWm5qM05RUmtsUnF0aE0xcnZHcTVV?oc=5) · Dignity Memorial
- 2013-09-25 [How you can help: Hoosiers honor hero, IMPD Officer Rod Bradway - Fox 59](https://news.google.com/rss/articles/CBMijgFBVV95cUxNMGRPTFNGV19KbjM3QXcxOEkwaEY1Q0txVnhQTE9hZVMyQWNHbEJTbTVlMmJYQnZVRzZYOWxUVThGX1ZGdERncXJDdGdWRWwwcVhRcDR3Q3AyYXJKdmxlYkd2Y054SzdlMWlGNzlqZ25IdkRJa041VEloNmpsMjVrNldQY0lRWUlpSW93Zy130gGTAUFVX3lxTE5KR2R4RTRIVTBNZGQwV0JHZkh3TlNKRTNBbHFlSXZpa01CeEpFR0pBb3ZxTHloeXNnRzJkUEN1U3pjUU9NVFFUWnhQSFo5S3VyYlNITDJRN1NMZ05PendXNGQxR1FWbjRQeldodXhtMllucFZJNVVrcUk4WlgxVXdRZGR2ZFFNVGhlbGdoaHdwMXl4bw?oc=5) · Fox 59
- 2010-07-09 [IMPD rallies behind cancer-stricken officer - WTHR](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQellqSUM1MEVSaUpaMzhsMkRlVUhSNUxyN0JEYml3dGlWMjE5bHRXZGZjMjV2dTZZMGpST0Fla3k4RklRakJQVE5XR3JFMTV0azdsdl82d1VLcllVR3N6WWF3MjlWY1JtS0hNcDhpNkpWUkt2T25oWUs0VGNVQkpvdWxOZ01vSFpkSEdCV2lrd2V1VjRra3p2cFF4dDNGLXdaTjFzUWJPc0RCa3dwWmR0Q1plM01xc3duY2s4Smhic252UQ?oc=5) · WTHR
- 2013-04-03 [Anthony Worley Obituary (2013) - Indianapolis, IN - The Indianapolis Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOemo1RkZjTjF2N3lRQWRBd1d0MVgtYl9lSWVycy00bkJTS1ZMRUpEM0dtc0pZOXFYaXoxeTRPNlYtNE5oQWpBVDhvSWFFb0o4RjNxRnZvUHRNa044emdLUW0xeVo5N0txT2x6TkhvQ2lXS2ZCNlNsU1pvQk10dHRsWjJhVENha0hhcmFnZGZoMA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82769 (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/17.json (key "82769", 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=82769
- 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