Federal credit union · Richmond, Indiana · NCUA charter #17454
Richmond Light Employees
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $1.2M
- Total assets
- 135
- Members
- 21.5%
- Net-worth ratio
Richmond Light Employees scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.2M; members 135; net-worth ratio 21.51%; health rank #3,857 of 4,374; healthier than 11th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,857 of 4,374 health · 2025Q4Richmond Light Employees · health 65/100 · $1.2M · 2025Q4
- NW 65/100
- DELQ 21.5%
- ROA 0.00%
- ASSETS 0.16%
- MEM $1.2M
- RANK 135
- PHOTO #3,857/4,374
- BOOK n/a
- CHARTER 17454
Call Report peers
Richmond Light Employees carries $1.2M 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.
Richmond Light Employees 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
65 11th percentile higher than 11% 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
Richmond Light Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17454, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Richmond Light Employees: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 136.89% vs peer 52.70% (+84.19 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.42 pp (21.51% 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.
Richmond Light Employees in Indiana
- In Indiana, health place is #108 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #120 of 124.
- Membership ranks #122 of 124 among Indiana CUs with a reported count (135 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Richmond Light Employees's 5300 filing moved
Richmond Light Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.6% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +0.40 pp (21.11% → 21.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 21.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 0.1 pts
Richmond Light Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.51% | -1.42 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.16% | -0.06 pp |
| Member Growth | -13.46% | - |
| Loan-to-Share Ratio | 136.89% | +84.19 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).
Call Report history - Richmond Light Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 2025Q4 | $1.2M | 135 |
| 2024Q4 | $1.3M | 156 |
| 2023Q4 | $1.3M | 153 |
Credit Union Details
- Charter Number
- 17454
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Indiana
- City
- Richmond
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Richmond Light Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Richmond, 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 POLICE DEPARTMENT EMPLOYEESGARY, IN · Under $2M45Health
- CONCORA WABASHWABASH, IN · Under $2M64Health
- HAMMOND FIREFIGHTERS ASSN.Hammond, IN · Under $2M81Health
- MT ZION INDIANAPOLISIndianapolis, IN · Under $2M87Health
- BATTERY EMPLOYEESAttica, IN · Under $2M60Health
Compare Richmond Light Employees vs GARY POLICE DEPARTMENT EMPLOYEES
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Richmond Light Employees - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Richmond Light Employees ranks #3,857 of 4,374 nationally on financial health and #108 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gary Police Department Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gary Police Department Employees
- 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 Richmond Light Employees financially healthy?
Richmond Light Employees has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,857 of 4,374; by total assets it ranks #4,208 of 4,374 nationally (same basis as /rankings/largest); and #120 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.51% and delinquency rate of 0.00%.
How does Richmond Light Employees compare to other credit unions?
65/100 is Richmond Light Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Richmond Light Employees?
Richmond Light Employees 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 Richmond Light Employees directly for the exact boundaries and application steps.
Is my money safe at Richmond Light Employees?
Federal credit unions like Richmond Light Employees 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. Richmond Light Employees's net worth ratio of 21.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Richmond Light Employees offer compared to banks?
Credit unions like Richmond Light Employees 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 Richmond Light Employees 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.