Federal credit union · GARY, Indiana · NCUA charter #3251
Gary Police Department Employees
Health score 45/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 45
- Health / 100
- $1.2M
- Total assets
- 101
- Members
- 41.8%
- Net-worth ratio
Gary Police Department Employees scores 45/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.2M; members 101; net-worth ratio 41.75%; health rank #4,312 of 4,374; healthier than 1st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,312 of 4,374 health · 2025Q4Gary Police Department · health 45/100 · $1.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Gary Police Department Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Gary Police Department Employees sits in 45-49 with 39 others.
45 1st percentile higher than 1% 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 Police Department Employees: Call Report deltas vs peers
- Strongest edge vs 243 Under $2M peers is Net Worth Ratio: +18.82 pp (41.75% vs 22.93%).
- Loan-to-Share Ratio trails the peer set - 33.97% here, 52.70% peer average (-18.73 pp).
Where Gary Police Department Employees sits in Indiana
- Health composite ranks #124 of 124 among scored Indiana credit unions.
- Assets rank #119 of 124 inside Indiana ($1.2M reported).
- Indiana membership ordinal: #124 of 124.
- No scored Indiana credit union ranks lower; the next one up, Gary Firefighters Association (#123) scores 49/100, 4 points higher.
Gary Police Department Employees: 2025Q4 → 2026Q1
Gary Police Department Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted -0.88 pp (42.63% → 41.75%).
At 41.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 45/100 score is built
Gary Police Department Employees gives up 55 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 9.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 41.75% | +18.82 pp |
| Delinquency Rate | 13.75% | +9.27 pp |
| Return on Assets | -3.03% | -3.25 pp |
| Member Growth | -1.94% | - |
| Loan-to-Share Ratio | 33.97% | -18.73 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 2025Q4 | $1.2M | 101 |
| 2024Q4 | $1.3M | 103 |
| 2023Q4 | $1.3M | 115 |
Credit Union Details
- Charter Number
- 3251
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- Indiana
- City
- GARY
- Data Quarter
- 2025Q4
Branch Location
Gary Police Department Employees operates a single office in GARY, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | GARY, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
- RICHMOND LIGHT EMPLOYEESRichmond, IN · Under $2M65Health
- CONCORA WABASHWABASH, IN · Under $2M64Health
- HAMMOND FIREFIGHTERS ASSN.Hammond, IN · Under $2M81Health
- MT ZION INDIANAPOLISIndianapolis, IN · Under $2M87Health
- BATTERY EMPLOYEESAttica, IN · Under $2M60Health
Compare Gary Police Department Employees vs RICHMOND LIGHT EMPLOYEES
Other-state peers near Gary Police Department Employees
Similar health score
Using this data
- Gary Police Department Employees ranks #4,312 of 4,374 nationally on financial health and #124 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Richmond Light Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Richmond Light Employees
Frequently Asked Questions
Is Gary Police Department Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Gary Police Department Employees scores 45/100 (Below Average), with a 41.75% net worth ratio and 13.75% of loans delinquent. It ranks #4,312 of 4,374 nationally on health and #124 of 124 in Indiana.
How does Gary Police Department Employees compare to other credit unions?
Gary Police Department Employees scores 45/100, higher than 1% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (41.75% vs 22.93%). Its widest shortfall is loan-to-share ratio (33.97% vs 52.70%).
How can I join Gary Police Department Employees?
Gary Police Department Employees 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 Police Department Employees directly to confirm current membership steps.
Is my money safe at Gary Police Department Employees?
Gary Police Department 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. Gary Police Department Employees's net worth ratio of 41.75% 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.