TellerScore

Stepping Stones Community Federal Credit Union (NCUA charter #24845) is based in Wilmington, Delaware. Its Q2 2026 call report shows $8.3M in total assets and $4.3M in member shares and deposits.

Stepping Stones Community Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 15 credit unions headquartered in Delaware, it ranks 6th. Capital cushion contributes the most (100/100, 47.00%); loan quality contributes the least (0/100, 10.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 47.00%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 10.61%
Earnings100/100
Return on assets (annualized): 8.67%
Funding & liquidity100/100
Loans ÷ shares: 39.2% · 1.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.24%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).

TellerScore
737475Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202473
Q1 202574
Q2 202573
Q3 202574
Q4 202575
Q1 202674
Q2 202674
Net worth ratio
7.00%27.00%47.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.98%
Q3 202426.00%
Q4 202423.94%
Q1 202530.62%
Q2 202532.26%
Q3 202545.92%
Q4 202545.52%
Q1 202646.45%
Q2 202647.00%
Delinquent loans (60+ days)
4.73%14.15%23.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 202414.96%
Q3 202416.87%
Q4 202415.03%
Q1 202510.33%
Q2 202523.58%
Q3 202520.24%
Q4 20254.73%
Q1 202612.39%
Q2 202610.61%
Return on assets
8.67%22.39%36.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 202416.03%
Q3 202420.57%
Q4 202412.62%
Q1 202531.77%
Q2 202519.33%
Q3 202536.11%
Q4 202528.50%
Q1 202620.09%
Q2 20268.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$8.3M47.00%10.61%8.67%39.2%
Q1 202674$8.5M46.45%12.39%20.09%32.5%
Q4 202575$7.7M45.52%4.73%28.50%28.9%
Q3 202574$7.0M45.92%20.24%36.11%22.7%
Q2 202573$5.8M32.26%23.58%19.33%22.7%
Q1 202574$5.8M30.62%10.33%31.77%21.8%
Q4 202473$5.5M23.94%15.03%12.62%17.9%
Q3 202474$5.9M26.00%16.87%20.57%16.9%
Q2 202473$5.2M19.98%14.96%16.03%15.7%

2,479 peers · Under $100 million in assets

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 ratio47.00%
99th
Problem loans10.61%
2nd
Net charge-offs-0.20%
96th
Return on assets8.67%
100th
Loans to deposits39.2%
79th
Uninsured deposits1.9%
46th
Loan-loss reserves21.17%
99th
Texas ratio4.2%
34th

Similar-size credit unions in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
Provident Federal Credit UnionCredit union Dover, DE64 out of 100, Moderate$11.9M14.1%1.75%vs
Delaware River & Bay Auth Emp Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$4.1M25.8%0.82%vs
Wilmington Police & Fire Federal Credit UnionCredit union Wilmington, DE59 out of 100, Moderate$14.3M14.7%2.45%vs
Priority Plus Federal Credit UnionCredit union Wilmington, DE74 out of 100, Strong$23.3M17.6%1.10%vs
New Castle County Delaware Em Federal Credit UnionCredit union New Castle, DE86 out of 100, Very strong$33.3M12.0%0.00%vs
Edu Federal Credit UnionCredit union New Castle, DE34 out of 100, Low$44.2M6.8%2.57%vs

Deposit insurance

Is my money safe at Stepping Stones Community Federal Credit Union?

Yes. Stepping Stones Community Federal Credit Union is a federally insured credit union (NCUA charter #24845). 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 1.9% of shares and deposits ($81K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 47.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Stepping Stones Community Federal Credit Union
Type
Federal credit union
NCUA charter #
24845
RSSD ID
4373579
Primary regulator
NCUA
Established
2011
Headquarters
603 N Church St, Wilmington, DE 19801
Employees
3

Quick answers

Stepping Stones Community Federal Credit Union: common questions

Is Stepping Stones Community Federal Credit Union NCUA insured?

Yes. Stepping Stones Community Federal Credit Union is a federally insured credit union (NCUA charter #24845). 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 Stepping Stones Community Federal Credit Union's TellerScore?

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