Federal credit union · La Porte, Indiana · NCUA charter #2051
La Porte Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $75.0M
- Total assets
- 8,281
- Members
- 13.2%
- Net-worth ratio
La Porte Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $75.0M; members 8,281; net-worth ratio 13.23%; health rank #1,241 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,241 of 4,374 health · 2025Q4La Porte Community · health 89/100 · $75.0M · 2025Q4
- CHARTER 89/100
- NCUSIF 13.2%
- CAMELS 1.15%
- HEALTH 1.05%
- NW $75.0M
- DELQ 8,281
- ROA #1,241/4,374
- ASSETS NORSTAR
- MEM 2051
Call Report peers
La Porte Community in the assets neighbourhood
La Porte Community's $75.0M assets sit next to NORSTAR ($74.9M) 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.
La Porte Community 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
89 Top 31% higher than 69% 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
La Porte Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2051: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for La Porte Community
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +29.85 pp (92.45% vs 62.60%).
- Largest lag: Net Worth Ratio at 13.23% vs peer 13.62% (-0.39 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
La Porte Community: in-state Call Report ranks
- Health composite ranks #36 of 124 among scored Indiana credit unions.
- Assets rank #56 of 124 inside Indiana ($75.0M reported).
- Membership ranks #45 of 124 among Indiana CUs with a reported count (8,281 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.
La Porte Community: 2025Q4 → 2026Q1
La Porte Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $75.0M (2025Q4) to $75.5M (2026Q1).
- Net-worth ratio shifted +0.15 pp (13.08% → 13.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 13.8 pts
La Porte Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.23% | -0.39 pp |
| Delinquency Rate | 1.15% | +0.19 pp |
| Return on Assets | 1.05% | +0.39 pp |
| Member Growth | 1.88% | - |
| Loan-to-Share Ratio | 92.45% | +29.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
La Porte Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.5M | - |
| 2025Q4 | $75.0M | 8,281 |
| 2024Q4 | $70.1M | 8,128 |
| 2023Q4 | $68.0M | 7,453 |
Credit Union Details
- Charter Number
- 2051
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- La Porte
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for La Porte Community, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | La Porte, IN |
| Jefferson office | La Porte, IN |
| Michigan City Office | Michigan City, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
La Porte Community nationwide neighbourhoods
La Porte Community's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($75.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- La Porte Community ranks #1,241 of 4,374 nationally on financial health and #36 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kemba Indianapolis is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kemba Indianapolis
- 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 La Porte Community financially healthy?
A 13.23% net worth ratio and a 1.15% delinquency rate feed into La Porte Community's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,241 of 4,374; by total assets it ranks #2,072 of 4,374 nationally (same basis as /rankings/largest); and #56 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does La Porte Community compare to other credit unions?
89/100 is La Porte Community's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 La Porte Community?
La Porte Community 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 La Porte Community directly for the exact boundaries and application steps.
Is my money safe at La Porte Community?
Federal credit unions like La Porte Community 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. La Porte Community's net worth ratio of 13.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does La Porte Community offer compared to banks?
Credit unions like La Porte Community 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 La Porte Community 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.