Federal credit union · MERRILLVILLE, Indiana · NCUA charter #12745
Local 697
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $46.2M
- Total assets
- 3,264
- Members
- 16.4%
- Net-worth ratio
Local 697 scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $46.2M; members 3,264; net-worth ratio 16.45%; health rank #3,907 of 4,374; healthier than 10th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,907 of 4,374 health · 2025Q4Local 697 · health 64/100 · $46.2M · 2025Q4
- CHARTER 64/100
- NCUSIF 16.4%
- CAMELS 5.71%
- HEALTH 0.33%
- NW $46.2M
- DELQ 3,264
- ROA #3,907/4,374
- ASSETS LUFKIN
- MEM 12745
Call Report peers
Local 697 in the assets neighbourhood
Local 697's $46.2M assets sit next to LUFKIN ($46.1M) 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.
Local 697 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
64 10th percentile higher than 10% 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
Local 697 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12745: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Local 697 vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.59 pp (16.45% vs 14.86%).
- Widest shortfall vs peers is Delinquency Rate: +4.56 pp (5.71% vs 1.15%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Local 697 sits in Indiana
- Health composite ranks #111 of 124 among scored Indiana credit unions.
- Assets rank #69 of 124 inside Indiana ($46.2M reported).
- Member book place in Indiana: #78 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Local 697: 2025Q4 → 2026Q1
Local 697: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $46.2M (2025Q4) to $47.5M (2026Q1).
- Net-worth ratio shifted -0.47 pp (16.92% → 16.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 12.4 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 13.2 pts
Local 697 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.45% | +1.59 pp |
| Delinquency Rate | 5.71% | +4.56 pp |
| Return on Assets | 0.33% | -0.38 pp |
| Member Growth | -0.34% | - |
| Loan-to-Share Ratio | 60.23% | +0.43 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).
Call Report history - Local 697
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.5M | - |
| 2025Q4 | $46.2M | 3,264 |
| 2024Q4 | $41.3M | 3,275 |
| 2023Q4 | $39.6M | 3,004 |
Credit Union Details
- Charter Number
- 12745
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- MERRILLVILLE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Local 697 runs one office.
| Office | City |
|---|---|
| Local 697 FCU Office (Main Office) | MERRILLVILLE, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Local 697 nationwide neighbourhoods
Two NCUA Call Report peer sets for Local 697, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($46.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- Local 697 ranks #3,907 of 4,374 nationally on financial health and #111 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DUBOIS-PIKE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DUBOIS-PIKE
- 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 Local 697 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Local 697 carries a financial health score of 64/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,907 of 4,374; by total assets it ranks #2,461 of 4,374 nationally (same basis as /rankings/largest); and #69 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.45% net worth ratio and a 5.71% delinquency rate.
How does Local 697 compare to other credit unions?
Five weighted metrics from NCUA filings produce Local 697's 64/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Local 697?
Local 697 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 Local 697 directly for the exact boundaries and application steps.
Is my money safe at Local 697?
Federal credit unions like Local 697 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. Local 697's net worth ratio of 16.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Local 697 offer compared to banks?
Credit unions like Local 697 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 Local 697 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.