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
- ASSETS 45/100
- MEM 41.8%
- RANK 13.75%
- PHOTO -3.03%
- BOOK $1.2M
- CHARTER 101
- NCUSIF #4,312/4,374
- CAMELS n/a
- HEALTH 3251
Call Report peers
Gary Police Department Employees carries $1.2M 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 Police Department Employees 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
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 - 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.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 Police Department Employees: 2025Q4 → 2026Q1
Gary Police Department Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted -0.88 pp (42.63% → 41.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 45.
- 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 |
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 | $1.2M | - |
| 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
Cross-state asset and health neighbours for Gary Police Department Employees - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (45/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,312 of 4,374; by total assets it ranks #4,204 of 4,374 nationally (same basis as /rankings/largest); and #119 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 41.75% 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 41.75% 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.
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.