State credit union · Fort Wayne, Indiana · NCUA charter #64275
Public Service #3
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $84.3M
- Total assets
- 4,987
- Members
- 11.5%
- Net-worth ratio
Public Service #3 scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $84.3M; members 4,987; net-worth ratio 11.46%; health rank #2,986 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,986 of 4,374 health · 2025Q4Public Service #3 · health 78/100 · $84.3M · 2025Q4
- MEM 78/100
- RANK 11.5%
- PHOTO 1.16%
- BOOK 0.28%
- CHARTER $84.3M
- NCUSIF 4,987
- CAMELS #2,986/4,374
- HEALTH Irving City Employees
- NW 64275
Call Report peers
Public Service #3 in the assets neighbourhood
Public Service #3's $84.3M assets sit next to Irving City Employees ($84.3M) 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.
Public Service #3 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
78 31st percentile higher than 31% 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
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.
Where Public Service #3 diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 67.61% vs peer 62.60% (+5.01 pp).
- Net Worth Ratio trails the peer set - 11.46% here, 13.62% peer average (-2.16 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Public Service #3: in-state Call Report ranks
- Indiana health ordinal: #82 of 124.
- By total assets, Public Service #3 is #52 of 124 in Indiana.
- Member book place in Indiana: #62 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.
Public Service #3 Call Report trajectory
Public Service #3: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $84.3M (2025Q4) to $87.5M (2026Q1).
- Net-worth ratio shifted -0.24 pp (11.70% → 11.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 11.7 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 14.4 pts
Call Report ratios for Public Service #3
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -2.16 pp |
| Delinquency Rate | 1.16% | +0.20 pp |
| Return on Assets | 0.28% | -0.38 pp |
| Member Growth | -3.28% | - |
| Loan-to-Share Ratio | 67.61% | +5.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $87.5M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Public Service #3, spread across 2 cities.
| Office | City |
|---|---|
| Jefferson Branch (Main Office) | Fort Wayne, IN |
| Huntington Branch | Huntington, 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 Public Service #3
Public Service #3's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($84.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Public Service #3 ranks #2,986 of 4,374 nationally on financial health and #82 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LAMPCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LAMPCO
- 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 Public Service #3 financially healthy?
A 11.46% net worth ratio and a 1.16% delinquency rate feed into Public Service #3's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,986 of 4,374; by total assets it ranks #1,974 of 4,374 nationally (same basis as /rankings/largest); and #52 of 124 within Indiana. 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 78/100, 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 11.46% 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.
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.