Federal credit union · Madison, Indiana · NCUA charter #12152
Clifty Creek Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $16.1M
- Total assets
- 1,321
- Members
- 17.2%
- Net-worth ratio
Clifty Creek Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.1M; members 1,321; net-worth ratio 17.22%; health rank #1,903 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,903 of 4,374 health · 2025Q4Clifty Creek Employees · health 85/100 · $16.1M · 2025Q4
- NW 85/100
- DELQ 17.2%
- ROA 0.04%
- ASSETS 0.96%
- MEM $16.1M
- RANK 1,321
- PHOTO #1,903/4,374
- BOOK Long Island Alliance
- CHARTER 12152
Call Report peers
Clifty Creek Employees in the assets neighbourhood
Clifty Creek Employees's $16.1M assets sit next to Long Island Alliance ($16.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Clifty Creek Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Clifty Creek Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12152 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Clifty Creek Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 74.00% vs peer 59.80% (+14.20 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Clifty Creek Employees in Indiana
- In Indiana, health place is #56 of 124 on the same NCUA-ratio sort used nationally.
- Assets rank #99 of 124 inside Indiana ($16.1M reported).
- Indiana membership ordinal: #101 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Clifty Creek Employees
Clifty Creek Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $16.1M (2025Q4) to $16.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (17.63% → 17.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Clifty Creek Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.22% | +2.36 pp |
| Delinquency Rate | 0.04% | -1.10 pp |
| Return on Assets | 0.96% | +0.26 pp |
| Member Growth | -13.83% | - |
| Loan-to-Share Ratio | 74.00% | +14.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Clifty Creek Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.2M | - |
| 2025Q4 | $16.1M | 1,321 |
| 2024Q4 | $15.9M | 1,533 |
| 2023Q4 | $16.2M | 1,519 |
Credit Union Details
- Charter Number
- 12152
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Madison
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Clifty Creek Employees.
| Office | City |
|---|---|
| Main (Main Office) | Madison, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Other-state peers near Clifty Creek Employees
Clifty Creek Employees's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Clifty Creek Employees ranks #1,903 of 4,374 nationally on financial health and #56 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jefferson Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jefferson Community
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Clifty Creek Employees financially healthy?
A 17.22% net worth ratio and a 0.04% delinquency rate feed into Clifty Creek Employees's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,903 of 4,374; by total assets it ranks #3,284 of 4,374 nationally (same basis as /rankings/largest); and #99 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Clifty Creek Employees compare to other credit unions?
On PlainCU's health composite, Clifty Creek Employees lands at 85/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Clifty Creek Employees?
Clifty Creek Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Clifty Creek Employees directly for the exact boundaries and application steps.
Is my money safe at Clifty Creek Employees?
Federal credit unions like Clifty Creek Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Clifty Creek Employees's net worth ratio of 17.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Clifty Creek Employees offer compared to banks?
Credit unions like Clifty Creek Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Clifty Creek Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.