Credit Union
PUBLIC SERVICE EDWARDSPT PL E
Health Score
73/100
Total Assets
$1.6M
Members
270
Linton, Indiana
2026 data Public-data reference. official source

PUBLIC SERVICE EDWARDSPT PL E

Open-data reference.

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Linton, Indiana · Charter #12619 · Federal Credit Union
73
Health Score
Very Good

Health Score

73/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

12619

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

PUBLIC SERVICE EDWARDSPT PL E — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for PUBLIC SERVICE EDWARDSPT PL E Share insurance under NCUSIF covers up to $250,000 per share owner. PUBLIC SERVICE EDWARDSPT PL E holds approximately $1.4M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 14.5 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 14.5% · $1.4M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

PUBLIC SERVICE EDWARDSPT PL E — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 14.50% 2. Loan Quality 0.72% delinq 3. ROA 0.00% 4. Member Growth -2.53% 5. Liquidity 75% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 96.7%

At 14.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$1.6M
Total Assets
270
Members
$1.0M
Total Loans
$1.4M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 14.50% 30%
Delinquency Rate 0.72% 25%
Return on Assets 0.00% 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

PUBLIC SERVICE EDWARDSPT PL E is a federal credit union headquartered in Linton, Indiana, serving 270 members with $1.6M in total assets and $1.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 73/100 (Very Good), anchored by a net worth ratio of 14.50% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #12619 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.

Loan book quality and earnings power round 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. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. 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.

Every deposit account at PUBLIC SERVICE EDWARDSPT PL E is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -2.53%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with PUBLIC SERVICE EDWARDSPT PL E before opening any account or borrowing.

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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?

PUBLIC SERVICE EDWARDSPT PL E has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.50% and delinquency rate of 0.72%.

How does PUBLIC SERVICE EDWARDSPT PL E compare to other credit unions?

PUBLIC SERVICE EDWARDSPT PL E scores 73/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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?

Membership eligibility for PUBLIC SERVICE EDWARDSPT PL E depends on its field of membership — currently: Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact PUBLIC SERVICE EDWARDSPT PL E directly for current membership requirements 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.