Federal credit union · Gary, Indiana · NCUA charter #169
Gary Firefighters Association
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $1.6M
- Total assets
- 293
- Members
- 43.9%
- Net-worth ratio
Gary Firefighters Association scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.6M; members 293; net-worth ratio 43.86%; health rank #4,278 of 4,374; healthier than 2nd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,278 of 4,374 health · 2025Q4Gary Firefighters Associati… · health 49/100 · $1.6M · 2025Q4
- CHARTER 49/100
- NCUSIF 43.9%
- CAMELS 11.04%
- HEALTH -0.24%
- NW $1.6M
- DELQ 293
- ROA #4,278/4,374
- ASSETS n/a
- MEM 169
Call Report peers
Gary Firefighters Association carries $1.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gary Firefighters Association 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
49 2nd percentile higher than 2% 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
Gary Firefighters Association - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #169: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Gary Firefighters Association
- Largest favorable gap: Net Worth Ratio at 43.86% vs peer 22.93% (+20.93 pp).
- Delinquency Rate trails the peer set - 11.04% here, 4.48% peer average (+6.57 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Gary Firefighters Association: in-state Call Report ranks
- In Indiana, health place is #123 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, Gary Firefighters Association is #116 of 124 in Indiana.
- Member book place in Indiana: #114 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.
Gary Firefighters Association: 2025Q4 → 2026Q1
Gary Firefighters Association: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $1.6M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted -0.42 pp (44.28% → 43.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 43.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 49/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 49.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 2.4 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 43.86% | +20.93 pp |
| Delinquency Rate | 11.04% | +6.57 pp |
| Return on Assets | -0.24% | -0.46 pp |
| Member Growth | -2.33% | - |
| Loan-to-Share Ratio | 56.02% | +3.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.6M | - |
| 2025Q4 | $1.6M | 293 |
| 2024Q4 | $1.7M | 300 |
| 2023Q4 | $1.8M | 305 |
Credit Union Details
- Charter Number
- 169
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- Indiana
- City
- Gary
- Data Quarter
- 2025Q4
Branch Locations (2)
Gary Firefighters Association operates 2 offices in Gary, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| main office (Main Office) | Gary, IN |
| #13 Station | Gary, 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.
- PUBLIC SERVICE EDWARDSPT PL ELinton, IN · Under $2M87Health
- URBAN BEGINNINGS CHOICEFort Wayne, IN · Under $2M59Health
- MT ZION INDIANAPOLISIndianapolis, IN · Under $2M87Health
- HAMMOND FIREFIGHTERS ASSN.Hammond, IN · Under $2M81Health
- GARY POLICE DEPARTMENT EMPLOYEESGARY, IN · Under $2M45Health
Compare Gary Firefighters Association vs PUBLIC SERVICE EDWARDSPT PL E
Cross-state Call Report peers for Gary Firefighters Associati…
Two NCUA Call Report peer sets for Gary Firefighters Association, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (49/100 here).
Using this data
- Gary Firefighters Association ranks #4,278 of 4,374 nationally on financial health and #123 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Public Service Edwardspt Pl E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Public Service Edwardspt Pl E
- 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 Gary Firefighters Association financially healthy?
Gary Firefighters Association has a financial health score of 49/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,278 of 4,374; by total assets it ranks #4,175 of 4,374 nationally (same basis as /rankings/largest); and #116 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 43.86% and delinquency rate of 11.04%.
How does Gary Firefighters Association compare to other credit unions?
Five weighted metrics from NCUA filings produce Gary Firefighters Association's 49/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Gary Firefighters Association?
Gary Firefighters Association carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Gary Firefighters Association directly to confirm current membership steps.
Is my money safe at Gary Firefighters Association?
Federal credit unions like Gary Firefighters Association 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. Gary Firefighters Association's net worth ratio of 43.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gary Firefighters Association offer compared to banks?
Credit unions like Gary Firefighters Association 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 Gary Firefighters Association 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.