State credit union · Merrillville, Indiana · NCUA charter #68562
Members Source
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $91.7M
- Total assets
- 6,023
- Members
- 13.5%
- Net-worth ratio
Members Source scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $91.7M; members 6,023; net-worth ratio 13.53%; health rank #3,464 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,464 of 4,374 health · 2025Q4Members Source · health 72/100 · $91.7M · 2025Q4
Call Report peers
Members Source in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Members Source vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Members Source sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Members Source: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +0.91 pp (63.51% vs 62.60%).
- Widest shortfall vs peers is Delinquency Rate: +1.74 pp (2.70% vs 0.96%).
Where Members Source sits in Indiana
- Health composite ranks #97 of 124 among scored Indiana credit unions.
- Indiana assets place: #48 of 124.
- Indiana membership ordinal: #54 of 124.
- One place up in Indiana, Financial Center First (#96) scores 73/100, 1 point higher; one place down, Haynes Community (#98) ties at 72/100.
Quarter path for Members Source
Members Source: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $91.7M (2025Q4) to $93.5M (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.58% → 13.53%).
13.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Members Source gives up 28 points in total. Delinquency Rate costs the most, 16.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 13.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.53% | -0.09 pp |
| Delinquency Rate | 2.70% | +1.74 pp |
| Return on Assets | 0.59% | -0.07 pp |
| Member Growth | -1.86% | - |
| Loan-to-Share Ratio | 63.51% | +0.91 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Members Source
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.5M | - |
| 2025Q4 | $91.7M | 6,023 |
| 2024Q4 | $92.2M | 6,137 |
| 2023Q4 | $90.3M | 6,150 |
Credit Union Details
- Charter Number
- 68562
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Merrillville
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Members Source, spread across 3 cities.
| Office | City |
|---|---|
| Merrillville (Main Office) | Merrillville, IN |
| Dyer | Dyer, IN |
| Griffith | Griffith, 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.
Members Source nationwide neighbourhoods
Using this data
- Members Source ranks #3,464 of 4,374 nationally on financial health and #97 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- POLICEMEN'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with POLICEMEN'S
Frequently Asked Questions
Is Members Source financially healthy?
Members Source has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,464 of 4,374 nationally on health and #97 of 124 in Indiana. Its net worth ratio is 13.53% and its delinquency rate 2.70%.
How does Members Source compare to other credit unions?
Members Source scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.51% vs 62.60%). Its widest shortfall is delinquency rate (2.70% vs 0.96%).
How can I join Members Source?
Membership eligibility for Members Source depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members Source directly for current membership requirements and application steps.
Is my money safe at Members Source?
Members Source is a state-chartered 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. Members Source's net worth ratio of 13.53% 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.