State credit union · Crown Point, Indiana · NCUA charter #68225
TECH
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $583.1M
- Total assets
- 38,027
- Members
- 9.3%
- Net-worth ratio
TECH scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $583.1M; members 38,027; net-worth ratio 9.33%; health rank #3,490 of 4,374; healthier than 20th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,490 of 4,374 health · 2025Q4TECH · health 72/100 · $583.1M · 2025Q4
- NCUSIF 72/100
- CAMELS 9.3%
- HEALTH 1.53%
- NW -0.15%
- DELQ $583.1M
- ROA 38,027
- ASSETS #3,490/4,374
- MEM EMBERS
- RANK 68225
Call Report peers
TECH in the assets neighbourhood
TECH's $583.1M assets sit next to EMBERS ($583.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TECH 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
72 20th percentile higher than 20% 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
TECH - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68225, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
TECH: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 91.35% here, 83.90% peer average (+7.45 pp).
- Net Worth Ratio trails the peer set - 9.33% here, 11.18% peer average (-1.85 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TECH: in-state Call Report ranks
- Health composite ranks #100 of 124 among scored Indiana credit unions.
- Indiana assets place: #21 of 124.
- Indiana membership ordinal: #22 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 TECH
TECH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $583.1M (2025Q4) to $599.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.40% → 9.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 16.1 pts
- Return on Assets 3.1 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for TECH
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.33% | -1.85 pp |
| Delinquency Rate | 1.53% | +0.65 pp |
| Return on Assets | -0.15% | -0.66 pp |
| Member Growth | 0.64% | - |
| Loan-to-Share Ratio | 91.35% | +7.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $599.1M | - |
| 2025Q4 | $583.1M | 38,027 |
| 2024Q4 | $540.2M | 37,784 |
| 2023Q4 | $520.4M | 38,525 |
Credit Union Details
- Charter Number
- 68225
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Indiana
- City
- Crown Point
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, TECH runs 12 offices in 10 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Crown Point, IN |
| Calumet City Branch | Calumet City, IL |
| Cedar Lake Branch | Cedar Lake, IN |
| Crown Point Branch | Crown Point, IN |
| East Chicago Branch | East Chicago, IN |
| Gary Branch | Gary, IN |
| LaPorte Branch | LaPorte, IN |
| Lowell Branch | Lowell, IN |
| Grant Street Branch | Merrillville, IN |
| Orland Park Branch | Orland Park, IL |
| Valparaiso Branch | Valparaiso, IN |
| Valparaiso West | Valparaiso, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Cross-state Call Report peers for TECH
Cross-state asset and health neighbours for TECH - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($583.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- TECH ranks #3,490 of 4,374 nationally on financial health and #100 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Via Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Via Credit Union
- 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 TECH financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, TECH carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,490 of 4,374; by total assets it ranks #689 of 4,374 nationally (same basis as /rankings/largest); and #21 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.33% net worth ratio and a 1.53% delinquency rate.
How does TECH compare to other credit unions?
On PlainCU's health composite, TECH lands at 72/100, compared to a peer group average for Over $500M 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 TECH?
Membership eligibility for TECH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TECH directly for current membership requirements and application steps.
Is my money safe at TECH?
Federal credit unions like TECH 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. TECH's net worth ratio of 9.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TECH offer compared to banks?
Credit unions like TECH 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 TECH 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.