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
Call Report peers
Clifty Creek Employees in the assets neighbourhood
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
Clifty Creek Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Indiana, Advantageplus of Indiana (#55) ties at 85/100; one place down, First Trust (#57) ties at 85/100.
Quarter path for Clifty Creek Employees
Clifty Creek Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $16.1M (2025Q4) to $16.2M (2026Q1).
- Net-worth ratio shifted -0.41 pp (17.63% → 17.22%).
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
Clifty Creek Employees gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Clifty Creek Employees financially healthy?
Clifty Creek Employees has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,903 of 4,374 nationally on health and #56 of 124 in Indiana. Its net worth ratio is 17.22% and its delinquency rate 0.04%.
How does Clifty Creek Employees compare to other credit unions?
Clifty Creek Employees scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (74.00% vs 59.80%).
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?
Clifty Creek Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.