Federal credit union · Gary, Indiana · NCUA charter #169

Gary Firefighters Association

Health score 49/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.

49
Health / 100
$1.6M
Total assets
293
Members
40.4%
Net-worth ratio

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.

NCUSIF coverage gauge for Gary Firefighters Association Share insurance under NCUSIF covers up to $250,000 per share owner. Gary Firefighters Association holds approximately $887K in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 30.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 30.0% · $887K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Gary Firefighters Association - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 40.39% 30% weight
  • Asset quality (delinquency) 11.04% 25% weight
  • Earnings (ROA) -0.24% 15% weight
  • Member growth -2.33% 15% weight
  • Liquidity (loan-to-share) 56% 15% weight

Weighted composite: 49/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 40.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$1.6M
Total Assets
293
Members
$497K
Total Loans
$887K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 40.39% 30%
Delinquency Rate 11.04% 25%
Return on Assets -0.24% 15%
Member Growth -2.33% 15%
Loan-to-Share Ratio 56.02% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Gary Firefighters Association

The five-factor composite scores Gary Firefighters Association at 49/100 (Below Average), reflecting a net worth ratio of 40.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Gary, Indiana, reports 293 members, $1.6M in total assets, and $497K in outstanding loans as of Q4 2025 under charter #169 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

Deposits deployed into lending sit at a 56.02% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 11.04% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at -0.24% on net income of $-3756 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -2.33%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

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Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 40.39% 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 40.39% 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.

Read our methodology - how this data is sourced, computed, and verified.

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.