Federal credit union · Indianapolis, Indiana · NCUA charter #10778
H a L E
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $417K
- Total assets
- 192
- Members
- 22.1%
- Net-worth ratio
H a L E scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $417K; members 192; net-worth ratio 22.14%; health rank #3,748 of 4,374; healthier than 13th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,748 of 4,374 health · 2025Q4H a L E · health 67/100 · $417K · 2025Q4
Call Report peers
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H a L E vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); H a L E sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for H a L E
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Return on Assets trails the peer set - -22.00% here, 0.22% peer average (-22.22 pp).
Indiana standing for H a L E
- In Indiana, health place is #104 of 124 on the same NCUA-ratio sort used nationally.
- Assets rank #124 of 124 inside Indiana ($417K reported).
- Indiana membership ordinal: #120 of 124.
- One place up in Indiana, Members Advantage (#103) scores 69/100, 2 points higher; one place down, COMMUNITYWIDE (#105) scores 66/100, 1 point lower.
H a L E Call Report trajectory
H a L E: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.4% from $417K (2025Q4) to $407K (2026Q1).
- Net-worth ratio shifted +0.26 pp (21.88% → 22.14%).
At 22.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
H a L E gives up 33 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for H a L E
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.14% | -0.79 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | -22.00% | -22.22 pp |
| Member Growth | -31.43% | - |
| Loan-to-Share Ratio | 54.93% | +2.23 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $407K | - |
| 2025Q4 | $417K | 192 |
| 2024Q4 | $469K | 280 |
| 2023Q4 | $748K | 281 |
Credit Union Details
- Charter Number
- 10778
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Indiana
- City
- Indianapolis
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for H a L E.
| Office | City |
|---|---|
| HALE FCU (Main Office) | Indianapolis, 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.
Cross-state Call Report peers for H a L E
Similar health score
Using this data
- H a L E ranks #3,748 of 4,374 nationally on financial health and #104 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gary Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gary Municipal Employees
Frequently Asked Questions
Is H a L E financially healthy?
H a L E has a financial health score of 67/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,748 of 4,374 nationally on health and #104 of 124 in Indiana. Its net worth ratio is 22.14% and its delinquency rate 0.00%.
How does H a L E compare to other credit unions?
H a L E scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is return on assets (-22.00% vs 0.22%).
How can I join H a L E?
H a L E 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 H a L E directly for the exact boundaries and application steps.
Is my money safe at H a L E?
H a L E 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. H a L E's net worth ratio of 22.14% 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.