Credit union · NCUA insured
Stepping Stones Community Federal Credit Union
A $8.5M credit union headquartered in Wilmington, DE, with 2,722 members and 1 branch in Delaware. Best rates: CDs 0.35% and savings 0.15% APY.
Stepping Stones Community Federal Credit Union Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#109 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Stepping Stones Community Federal Credit Union
Operating in Wilmington, Delaware since 2011, Stepping Stones Community Federal Credit Union was established to serve the city's limited income communities with safe and reliable financial services.
The institution is built as a community-owned organization providing financial services access to all people.
- Headquarters
- 603 N Church St, Wilmington, DE 19801
- NCUA charter
- 24845
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, study, or volunteer in the city of Wilmington are eligible for membership.
Employers and groups
- Incorporated or unincorporated organizations located in Wilmington or maintaining a facility in Wilmington are eligible for membership.
Family and household
- Anyone with a family member who lives, works, worships, studies, or volunteers in the city of Wilmington is eligible for membership.
Other ways
- Clients of organizations working to lessen poverty or distress in Wilmington are eligible for membership.
Cost to join
- A $5 share deposit is required to open and activate an account, representing the value of a share in the credit union (stated as funded by the credit union this year) and must be maintained at all times.
Branches
1 branch in Delaware
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Delaware
1 branch
- Stepping Stones Community Federal Credit UnionMain office603 N Church St, Wilmington, DE 19801Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 47.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 10.61% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 8.95% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio47.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late10.61%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets8.95%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Stepping Stones Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.