Stepping Stones Community vs Community Powered
Comparing a Credit Union in Wilmington, DE with a Credit Union in Bear, DE using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Stepping Stones Community ↗ Credit Union · Wilmington, DE · Est. 2011 | Community Powered ↗ Credit Union · Bear, DE · Est. 1962 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Wilmington, DE | Bear, DE |
| Total assets | $8.5M | $145.5M |
| Net worth ratio | 46.5% | 16.5% |
| Return on assets | 20.1% | 1.1% |
| Shares & deposits | — | — |
| Members | 2,722 | 11,392 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 15 | #1 of 15 |
| Established | 2011 | 1962 |
Stepping Stones Community
- Assets: $8.5M
- Members: 2,722
- Capital ratio: 46.5%
- Return on assets: 20.1%
- CFPB complaints: 0
- State rank: #4 of 15
Community Powered
- Assets: $145.5M
- Members: 11,392
- Capital ratio: 16.5%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 15
Are both institutions federally insured?
Yes. Stepping Stones Community is NCUA-insured and Community Powered is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Stepping Stones Community or Community Powered?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Stepping Stones Community scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Stepping Stones Community safe?
Yes — Stepping Stones Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Community Powered safe?
Yes — Community Powered is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Stepping Stones Community vs Community Powered?
Stepping Stones Community has a net worth ratio of 46.5%, placing it in the top 1% of <$100M peers. Community Powered's ratio is 16.5%, placing it in the top 8% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Stepping Stones Community have compared to Community Powered?
The CFPB database shows 0 complaints against Stepping Stones Community, and 0 complaints against Community Powered. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Stepping Stones Community with other Credit Unions in Delaware
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
