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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Richmond Light Employees sits in 65-69 with 275 others.
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: 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%).
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).
- One place up in Indiana, Great Horizons (#107) ties at 65/100; one place down, FINANS (#109) ties at 65/100.
How Richmond Light Employees's 5300 filing moved
Richmond Light Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.6% from $1.2M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +0.40 pp (21.11% → 21.51%).
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
Richmond Light Employees gives up 35 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Richmond Light Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Richmond Light Employees scores 65/100 (Good), with a 21.51% net worth ratio and 0.00% of loans delinquent. It ranks #3,857 of 4,374 nationally on health and #108 of 124 in Indiana.
How does Richmond Light Employees compare to other credit unions?
Richmond Light Employees scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (136.89% vs 52.70%). Its widest shortfall is net worth ratio (21.51% vs 22.93%).
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?
Richmond Light Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.