State credit union · Fort Wayne, Indiana · NCUA charter #64275
Public Service #3
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $84.3M
- Total assets
- 4,987
- Members
- 9.2%
- Net-worth ratio
Public Service #3 - Share Insurance Coverage
Charter #64275's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Public Service #3 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)94
- Asset quality (delinquency)75
- Earnings (ROA)78
- Member growth21
- Liquidity (loan-to-share)96
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.23% | 30% |
| Delinquency Rate | 1.16% | 25% |
| Return on Assets | 0.28% | 15% |
| Member Growth | -3.28% | 15% |
| Loan-to-Share Ratio | 67.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $84.3M | 4,987 |
| 2024Q4 | $82.1M | 5,156 |
| 2023Q4 | $78.9M | 5,177 |
Credit Union Details
- Charter Number
- 64275
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Fort Wayne
- Data Quarter
- 2025Q4
What This Data Says About Public Service #3
Public Service #3 is a state credit union headquartered in Fort Wayne, Indiana, serving 4,987 members with $84.3M in total assets and $49.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 76/100 (Very Good), anchored by a net worth ratio of 9.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #64275 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 1.16% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 67.61% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.28% on net income of $237K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.28%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Public Service #3 financially healthy?
A 9.23% net worth ratio and a 1.16% delinquency rate feed into Public Service #3's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Public Service #3 compare to other credit unions?
PlainCU's health composite puts Public Service #3 at 76/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Public Service #3?
Membership eligibility for Public Service #3 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Public Service #3 directly for current membership requirements and application steps.
Is my money safe at Public Service #3?
Federal credit unions like Public Service #3 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. Public Service #3's net worth ratio of 9.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Public Service #3 offer compared to banks?
Credit unions like Public Service #3 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 Public Service #3 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.