Federal credit union · LAPORTE, Indiana · NCUA charter #10666
Grand Heritage
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $20.4M
- Total assets
- 2,041
- Members
- 9.2%
- Net-worth ratio
Grand Heritage scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.4M; members 2,041; net-worth ratio 9.24%; health rank #3,204 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,204 of 4,374 health · 2025Q4Grand Heritage · health 76/100 · $20.4M · 2025Q4
- MEM 76/100
- RANK 9.2%
- PHOTO 0.00%
- BOOK 0.30%
- CHARTER $20.4M
- NCUSIF 2,041
- CAMELS #3,204/4,374
- HEALTH Northern Valley
- NW 10666
Call Report peers
Grand Heritage in the assets neighbourhood
Grand Heritage's $20.4M assets sit next to Northern Valley ($20.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Grand Heritage 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
76 26th percentile higher than 26% 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
Grand Heritage - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10666. See our deposit-insurance coverage note.
Peer-gap read for Grand Heritage
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.15% (-1.15 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.73 pp (50.07% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Grand Heritage
- Health composite ranks #91 of 124 among scored Indiana credit unions.
- Indiana assets place: #95 of 124.
- Membership ranks #90 of 124 among Indiana CUs with a reported count (2,041 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Grand Heritage
Grand Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.9% from $20.4M (2025Q4) to $21.8M (2026Q1).
- Net-worth ratio shifted -0.59 pp (9.83% → 9.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.0 pts
Grand Heritage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.24% | -5.62 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.30% | -0.41 pp |
| Member Growth | -5.77% | - |
| Loan-to-Share Ratio | 50.07% | -9.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Grand Heritage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.8M | - |
| 2025Q4 | $20.4M | 2,041 |
| 2024Q4 | $21.5M | 2,166 |
| 2023Q4 | $23.9M | 2,262 |
Credit Union Details
- Charter Number
- 10666
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- LAPORTE
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Grand Heritage runs 4 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Grand Heritage Federal Credit Union (Main Office) | Laporte, IN |
| Fiserv | Flint, MI |
| Laporte Community Federal Credit Union | La Porte, IN |
| Laporte Community Federal Credit Union | Michigan City, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Grand Heritage - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Grand Heritage ranks #3,204 of 4,374 nationally on financial health and #91 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Diversified General is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Diversified General
- 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 Grand Heritage financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Grand Heritage'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 #3,204 of 4,374; by total assets it ranks #3,132 of 4,374 nationally (same basis as /rankings/largest); and #95 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.24% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Grand Heritage compare to other credit unions?
On PlainCU's health composite, Grand Heritage lands at 76/100, compared to a peer group average for $10M–$50M 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 Grand Heritage?
Grand Heritage operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Grand Heritage directly for the exact boundaries and application steps.
Is my money safe at Grand Heritage?
Federal credit unions like Grand Heritage 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. Grand Heritage's net worth ratio of 9.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Grand Heritage offer compared to banks?
Credit unions like Grand Heritage 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 Grand Heritage 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.