Health Score
48/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
GARY FIREFIGHTERS ASSOCIATION
Health Score
48/100
Total Assets
$1.6M
Members
293
Gary, Indiana
2026 data Public-data reference. official source
GARY FIREFIGHTERS ASSOCIATION
Open-data reference.
48
Health Score
Below Average
Charter #
169
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
GARY FIREFIGHTERS ASSOCIATION — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
GARY FIREFIGHTERS ASSOCIATION — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%
At 40.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 | 0.00% | 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
GARY FIREFIGHTERS ASSOCIATION is a federal credit union headquartered in Gary, Indiana, serving 293 members with $1.6M in total assets and $497K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 48/100 (Below Average), anchored by a net worth ratio of 40.39% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #169 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 11.04% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 56.02% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.
Every deposit account at GARY FIREFIGHTERS ASSOCIATION is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -2.33%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Low Income), and current deposit and loan rates should be verified directly with GARY FIREFIGHTERS ASSOCIATION before opening any account or borrowing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
- PUBLIC SERVICE EDWARDSPT PL ELinton, IN · Under $2M73Health
- URBAN BEGINNINGS CHOICEFort Wayne, IN · Under $2M48Health
- MT ZION INDIANAPOLISIndianapolis, IN · Under $2M77Health
- HAMMOND FIREFIGHTERS ASSN.Hammond, IN · Under $2M68Health
- GARY POLICE DEPARTMENT EMPLOYEESGARY, IN · Under $2M47Health
Compare GARY FIREFIGHTERS ASSOCIATION vs PUBLIC SERVICE EDWARDSPT PL E
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Related Financial Data
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 48/100 (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?
GARY FIREFIGHTERS ASSOCIATION scores 48/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 GARY FIREFIGHTERS ASSOCIATION?
Membership eligibility for GARY FIREFIGHTERS ASSOCIATION depends on its field of membership — currently: Low Income. Credit unions typically require a common bond such as employer, location, or association membership. Contact GARY FIREFIGHTERS ASSOCIATION directly for current membership requirements and application 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.