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
Call Report peers
PROFINANCE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); PROFINANCE sits in 70-74 with 317 others.
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
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%).
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).
- One place up in Indiana, Del Met (#92) scores 75/100, 1 point higher; one place down, One Vision (#94) ties at 74/100.
PROFINANCE: 2025Q4 → 2026Q1
PROFINANCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $14.4M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.48 pp (20.66% → 20.18%).
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
PROFINANCE gives up 26 points in total. Return on Assets costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is PROFINANCE financially healthy?
On its 2025Q4 NCUA 5300 filing, PROFINANCE scores 74/100 (Very Good), with a 20.18% net worth ratio and 0.42% of loans delinquent. It ranks #3,319 of 4,374 nationally on health and #93 of 124 in Indiana.
How does PROFINANCE compare to other credit unions?
PROFINANCE scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.18% vs 14.86%). Its widest shortfall is return on assets (-0.19% vs 0.70%).
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?
PROFINANCE is a federal 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. PROFINANCE's net worth ratio of 20.18% 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.