Federal credit union · Linton, Indiana · NCUA charter #12619
Public Service Edwardspt Pl E
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.6M
- Total assets
- 270
- Members
- 14.5%
- Net-worth ratio
Public Service Edwardspt Pl E - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12619, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Public Service Edwardspt Pl E - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)91
- Earnings (ROA)100
- Member growth30
- Liquidity (loan-to-share)100
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.50% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | 1.39% | 15% |
| Member Growth | -2.53% | 15% |
| Loan-to-Share Ratio | 74.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.6M | 270 |
| 2024Q4 | $1.7M | 277 |
| 2023Q4 | $1.6M | 285 |
Credit Union Details
- Charter Number
- 12619
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Indiana
- City
- Linton
- Data Quarter
- 2025Q4
What This Data Says About Public Service Edwardspt Pl E
The five-factor composite scores Public Service Edwardspt Pl E at 87/100 (Excellent), reflecting a net worth ratio of 14.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Linton, Indiana, reports 270 members, $1.6M in total assets, and $1.0M in outstanding loans as of Q4 2025 under charter #12619 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.72% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 74.90% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.39% on net income of $22K 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 -2.53%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
- GARY FIREFIGHTERS ASSOCIATIONGary, IN · Under $2M49Health
- URBAN BEGINNINGS CHOICEFort Wayne, IN · Under $2M57Health
- MT ZION INDIANAPOLISIndianapolis, IN · Under $2M87Health
- HAMMOND FIREFIGHTERS ASSN.Hammond, IN · Under $2M81Health
- GARY POLICE DEPARTMENT EMPLOYEESGARY, IN · Under $2M45Health
Compare Public Service Edwardspt Pl E vs GARY FIREFIGHTERS ASSOCIATION
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 Edwardspt Pl E financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Public Service Edwardspt Pl E carries a financial health score of 87/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.50% net worth ratio and a 0.72% delinquency rate.
How does Public Service Edwardspt Pl E compare to other credit unions?
On PlainCU's health composite, Public Service Edwardspt Pl E lands at 87/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Public Service Edwardspt Pl E?
Public Service Edwardspt Pl E 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 Public Service Edwardspt Pl E directly for the exact boundaries and application steps.
Is my money safe at Public Service Edwardspt Pl E?
Federal credit unions like Public Service Edwardspt Pl E 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 Edwardspt Pl E's net worth ratio of 14.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Public Service Edwardspt Pl E offer compared to banks?
Credit unions like Public Service Edwardspt Pl E 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 Edwardspt Pl E 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.