TellerScore

Police Federal Credit Union is a federal credit union headquartered in Upper Marlboro, Maryland, in business for about 91 years. At the end of Q2 2026 it reported $175.9M in total assets and $146.0M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Police Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 60 credit unions headquartered in Maryland, it ranks 30th. Its strongest component is capital cushion (93/100; 14.25%), and its lowest is earnings (21/100; 0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.25%
Loan quality56/100
Loans 60+ days delinquent ÷ total loans: 1.33%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity82/100
Loans ÷ shares: 78.6% · 8.2% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.09%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (79 → 67), mostly because the loan quality component weakened by 35 points.

TellerScore
677379Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202473
Q4 202473
Q1 202579
Q2 202579
Q3 202577
Q4 202573
Q1 202675
Q2 202667
Net worth ratio
7.00%10.69%14.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.08%
Q3 202414.28%
Q4 202414.38%
Q1 202514.19%
Q2 202514.27%
Q3 202514.31%
Q4 202514.14%
Q1 202614.24%
Q2 202614.25%
Delinquent loans (60+ days)
0.26%0.79%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.69%
Q4 20240.72%
Q1 20250.31%
Q2 20250.26%
Q3 20250.42%
Q4 20250.76%
Q1 20260.41%
Q2 20261.33%
Return on assets
-0.03%0.18%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.15%
Q4 20240.13%
Q1 20250.40%
Q2 20250.32%
Q3 20250.24%
Q4 20250.22%
Q1 2026-0.03%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$175.9M14.25%1.33%0.02%78.6%
Q1 202675$175.8M14.24%0.41%-0.03%79.3%
Q4 202573$177.1M14.14%0.76%0.22%78.2%
Q3 202577$174.4M14.31%0.42%0.24%80.1%
Q2 202579$174.8M14.27%0.26%0.32%80.2%
Q1 202579$175.0M14.19%0.31%0.40%80.5%
Q4 202473$171.5M14.38%0.72%0.13%82.5%
Q3 202473$172.4M14.28%0.69%0.15%82.0%
Q2 202475$174.1M14.08%0.43%0.11%81.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.25%
80th
Problem loans1.33%
18th
Net charge-offs0.12%
83rd
Return on assets0.02%
5th
Loans to deposits78.6%
44th
Uninsured deposits8.2%
28th
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
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Market USA Federal Credit UnionCredit union Laurel, MD76 out of 100, Strong$142.3M19.2%1.59%vs
Bull Dog Federal Credit UnionCredit union Hagerstown, MD73 out of 100, Strong$237.7M12.4%1.31%vs
First Eagle Federal Credit UnionCredit union Owings Mills, MD76 out of 100, Strong$109.5M12.4%0.75%vs
Skypoint Federal Credit UnionCredit union Germantown, MD60 out of 100, Moderate$242.8M12.4%1.61%vs
Money One Federal Credit UnionCredit union Largo, MD63 out of 100, Moderate$105.5M11.7%1.06%vs

Deposit insurance

Is my money safe at Police Federal Credit Union?

Yes. Police Federal Credit Union is a federally insured credit union (NCUA charter #16401). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.2% of shares and deposits ($12.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Police Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
HONOR Card—$0—0.0%
Rate Preferred—$0—0.0%
Rewards Card—$0—0.0%
Share Secured—$0—0.0%
Share Secured Credit Builder—$0—0.0%

All Police Federal Credit Union card terms

Identity & history

Profile

Legal name
Police Federal Credit Union
Type
Federal credit union
NCUA charter #
16401
RSSD ID
692085
Primary regulator
NCUA
Established
1935
Headquarters
9100 Presidential Parkway, Upper Marlboro, MD 20772
Employees
44

Quick answers

Police Federal Credit Union: common questions

Is Police Federal Credit Union NCUA insured?

Yes. Police Federal Credit Union is a federally insured credit union (NCUA charter #16401). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Police Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Police Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

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