Federal credit union · Hammond, Indiana · NCUA charter #82762
Hammond Firefighters Assn.
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.4M
- Total assets
- 289
- Members
- 27.9%
- Net-worth ratio
Hammond Firefighters Assn. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #82762. See our deposit-insurance coverage note.
Hammond Firefighters Assn. - 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)100
- Asset quality (delinquency)64
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)65
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 27.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 27.94% | 30% |
| Delinquency Rate | 1.55% | 25% |
| Return on Assets | 1.24% | 15% |
| Member Growth | 1.40% | 15% |
| Loan-to-Share Ratio | 41.82% | 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 | $1.4M | 289 |
| 2024Q4 | $1.3M | 285 |
| 2023Q4 | $1.4M | 286 |
Credit Union Details
- Charter Number
- 82762
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Indiana
- City
- Hammond
- Data Quarter
- 2025Q4
What This Data Says About Hammond Firefighters Assn.
Hammond Firefighters Assn. is a federal credit union headquartered in Hammond, Indiana, serving 289 members with $1.4M in total assets and $407K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 81/100 (Excellent), anchored by a net worth ratio of 27.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #82762 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Deposits deployed into lending sit at a 41.82% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.55% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Return on assets stands at 1.24% on net income of $17K 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 1.40%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Hammond Firefighters Assn. financially healthy?
Hammond Firefighters Assn. has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 27.94% and delinquency rate of 1.55%.
How does Hammond Firefighters Assn. compare to other credit unions?
81/100 is Hammond Firefighters Assn.'s score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Hammond Firefighters Assn.?
Membership eligibility for Hammond Firefighters Assn. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hammond Firefighters Assn. directly for current membership requirements and application steps.
Is my money safe at Hammond Firefighters Assn.?
Federal credit unions like Hammond Firefighters Assn. 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. Hammond Firefighters Assn.'s net worth ratio of 27.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hammond Firefighters Assn. offer compared to banks?
Credit unions like Hammond Firefighters Assn. 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 Hammond Firefighters Assn. 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.