Federal credit union · Linton, Indiana · NCUA charter #12619
Public Service Edwardspt Pl E
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.6M
- Total assets
- 270
- Members
- 14.3%
- Net-worth ratio
Public Service Edwardspt Pl E scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.6M; members 270; net-worth ratio 14.33%; health rank #1,611 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,611 of 4,374 health · 2025Q4Public Service Edwardspt Pl… · health 87/100 · $1.6M · 2025Q4
- MEM 87/100
- RANK 14.3%
- PHOTO 0.72%
- BOOK 1.39%
- CHARTER $1.6M
- NCUSIF 270
- CAMELS #1,611/4,374
- HEALTH n/a
- NW 12619
Call Report peers
Public Service Edwardspt Pl E carries $1.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Public Service Edwardspt Pl E 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
87 Top 40% higher than 60% 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 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 vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +22.20 pp (74.90% vs 52.70%).
- Widest shortfall vs peers is Net Worth Ratio: -8.60 pp (14.33% vs 22.93%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Public Service Edwardspt Pl E: in-state Call Report ranks
- Health composite ranks #49 of 124 among scored Indiana credit unions.
- By total assets, Public Service Edwardspt Pl E is #115 of 124 in Indiana.
- Member book place in Indiana: #117 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.
Quarter path for Public Service Edwardspt Pl E
Public Service Edwardspt Pl E: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $1.6M (2025Q4) to $1.7M (2026Q1).
- Net-worth ratio shifted -0.17 pp (14.50% → 14.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Public Service Edwardspt Pl E
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.33% | -8.60 pp |
| Delinquency Rate | 0.72% | -3.75 pp |
| Return on Assets | 1.39% | +1.17 pp |
| Member Growth | -2.53% | - |
| Loan-to-Share Ratio | 74.90% | +22.20 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Public Service Edwardspt Pl E quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.7M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Public Service Edwardspt Pl E runs one office.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | Linton, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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 $2M59Health
- 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
Public Service Edwardspt Pl E nationwide neighbourhoods
Two NCUA Call Report peer sets for Public Service Edwardspt Pl E, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Public Service Edwardspt Pl E ranks #1,611 of 4,374 nationally on financial health and #49 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gary Firefighters Association is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gary Firefighters Association
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,611 of 4,374; by total assets it ranks #4,173 of 4,374 nationally (same basis as /rankings/largest); and #115 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.33% 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 14.33% 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.
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.