Federal credit union · LAPORTE, Indiana · NCUA charter #10666
Grand Heritage
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $20.4M
- Total assets
- 2,041
- Members
- 9.8%
- Net-worth ratio
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.
Grand Heritage - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)99
- Asset quality (delinquency)100
- Earnings (ROA)80
- Member growth0
- Liquidity (loan-to-share)70
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.83% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.30% | 15% |
| Member Growth | -5.77% | 15% |
| Loan-to-Share Ratio | 50.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Grand Heritage
Headquartered in LAPORTE, Indiana, Grand Heritage is a federal credit union with 2,041 members, $20.4M in total assets, and $9.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 9.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #10666 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 50.07% 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 0.30% on net income of $60K 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 -5.77%. 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: Community). 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
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
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 Grand Heritage financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Grand Heritage's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.83% 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 77/100, 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 9.83% 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.
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.