Federal credit union · GARY, Indiana · NCUA charter #3251

Gary Police Department Employees

Health score 45/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.

45
Health / 100
$1.2M
Total assets
101
Members
40.0%
Net-worth ratio

Gary Police Department Employees - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3251. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Gary Police Department Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Gary Police Department Employees holds approximately $713K 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% · $713K 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 Police Department Employees - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 40.02% 30% weight
  • Asset quality (delinquency) 13.75% 25% weight
  • Earnings (ROA) -3.03% 15% weight
  • Member growth -1.94% 15% weight
  • Liquidity (loan-to-share) 34% 15% weight

Weighted composite: 45/100 - 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%

At 40.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$1.2M
Total Assets
101
Members
$242K
Total Loans
$713K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 40.02% 30%
Delinquency Rate 13.75% 25%
Return on Assets -3.03% 15%
Member Growth -1.94% 15%
Loan-to-Share Ratio 33.97% 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 $1.2M 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

What This Data Says About Gary Police Department Employees

The five-factor composite scores Gary Police Department Employees at 45/100 (Below Average), reflecting a net worth ratio of 40.02% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in GARY, Indiana, reports 101 members, $1.2M in total assets, and $242K in outstanding loans as of Q4 2025 under charter #3251 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

On loan book quality: 13.75% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 33.97% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -3.03% on net income of $-37679 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 -1.94%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

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.

Compare Gary Police Department Employees vs RICHMOND LIGHT EMPLOYEES

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 Police Department Employees financially healthy?

Yes/no aside, the number is 45/100 (Below Average) - Gary Police Department Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 40.02% net worth ratio and 13.75% delinquency rate are the key drivers.

How does Gary Police Department Employees compare to other credit unions?

On PlainCU's health composite, Gary Police Department Employees lands at 45/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?

Federal credit unions like Gary Police Department Employees 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 Police Department Employees's net worth ratio of 40.02% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Gary Police Department Employees offer compared to banks?

Credit unions like Gary Police Department Employees 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 Police Department Employees 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.