Federal credit union · Merrillville, Indiana · NCUA charter #2711
PROFINANCE
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $14.4M
- Total assets
- 1,395
- Members
- 20.2%
- Net-worth ratio
PROFINANCE scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.4M; members 1,395; net-worth ratio 20.18%; health rank #3,319 of 4,374; healthier than 23rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,319 of 4,374 health · 2025Q4PROFINANCE · health 74/100 · $14.4M · 2025Q4
- CHARTER 74/100
- NCUSIF 20.2%
- CAMELS 0.42%
- HEALTH -0.19%
- NW $14.4M
- DELQ 1,395
- ROA #3,319/4,374
- ASSETS Minot Area Schools
- MEM 2711
Call Report peers
PROFINANCE in the assets neighbourhood
PROFINANCE's $14.4M assets sit next to Minot Area Schools ($14.4M) 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.
PROFINANCE 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
74 23rd percentile higher than 23% 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
PROFINANCE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2711, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where PROFINANCE diverges from peer averages
- Net Worth Ratio leads the peer set - 20.18% here, 14.86% peer average (+5.32 pp).
- Widest shortfall vs peers is Return on Assets: -0.90 pp (-0.19% vs 0.70%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
PROFINANCE in Indiana
- In Indiana, health place is #93 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #101 of 124.
- Membership ranks #99 of 124 among Indiana CUs with a reported count (1,395 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.
PROFINANCE: 2025Q4 → 2026Q1
PROFINANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $14.4M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.48 pp (20.66% → 20.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.8 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for PROFINANCE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.18% | +5.32 pp |
| Delinquency Rate | 0.42% | -0.73 pp |
| Return on Assets | -0.19% | -0.90 pp |
| Member Growth | -3.19% | - |
| Loan-to-Share Ratio | 59.47% | -0.33 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.8M | - |
| 2025Q4 | $14.4M | 1,395 |
| 2024Q4 | $14.4M | 1,441 |
| 2023Q4 | $15.2M | 1,470 |
Credit Union Details
- Charter Number
- 2711
- 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, PROFINANCE runs one office.
| Office | City |
|---|---|
| Profinance FCU (Main Office) | Merrillville, 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.
Cross-state Call Report peers for PROFINANCE
Two NCUA Call Report peer sets for PROFINANCE, 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 ($14.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- PROFINANCE ranks #3,319 of 4,374 nationally on financial health and #93 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TIPPECANOE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TIPPECANOE
- 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 PROFINANCE financially healthy?
PROFINANCE has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,319 of 4,374; by total assets it ranks #3,342 of 4,374 nationally (same basis as /rankings/largest); and #101 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.18% and delinquency rate of 0.42%.
How does PROFINANCE compare to other credit unions?
PROFINANCE scores 74/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 PROFINANCE?
PROFINANCE 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 PROFINANCE directly for the exact boundaries and application steps.
Is my money safe at PROFINANCE?
Federal credit unions like PROFINANCE 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. PROFINANCE's net worth ratio of 20.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PROFINANCE offer compared to banks?
Credit unions like PROFINANCE 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 PROFINANCE 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.