Federal credit union · MERRILLVILLE, Indiana · NCUA charter #1364
U S #1364
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $212.0M
- Total assets
- 12,963
- Members
- 13.6%
- Net-worth ratio
U S #1364 scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $212.0M; members 12,963; net-worth ratio 13.58%; health rank #1,438 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,438 of 4,374 health · 2025Q4U S #1364 · health 88/100 · $212.0M · 2025Q4
Call Report peers
U S #1364 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U S #1364 vs every NCUA-scored credit union
U S #1364 sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where U S #1364 diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.47 pp (13.58% vs 12.11%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.16 pp (49.04% vs 72.20%).
Where U S #1364 sits in Indiana
- Indiana health ordinal: #45 of 124.
- Assets rank #29 of 124 inside Indiana ($212.0M reported).
- Membership ranks #33 of 124 among Indiana CUs with a reported count (12,963 members).
- One place up in Indiana, Wayne County (#44) ties at 88/100; one place down, Community Link (#46) ties at 88/100.
U S #1364: 2025Q4 → 2026Q1
U S #1364: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $212.0M (2025Q4) to $218.9M (2026Q1).
- Net-worth ratio shifted -0.26 pp (13.84% → 13.58%).
At 13.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
U S #1364 gives up 12 points in total. Member Growth costs the most, 4.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 10.6 pts
Call Report ratios for U S #1364
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.58% | +1.47 pp |
| Delinquency Rate | 0.77% | -0.13 pp |
| Return on Assets | 1.22% | +0.60 pp |
| Member Growth | 0.90% | - |
| Loan-to-Share Ratio | 49.04% | -23.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
U S #1364 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $218.9M | - |
| 2025Q4 | $212.0M | 12,963 |
| 2024Q4 | $211.4M | 12,848 |
| 2023Q4 | $191.6M | 12,597 |
Credit Union Details
- Charter Number
- 1364
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- MERRILLVILLE
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, U S #1364 runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Corporate office (Main Office) | Merrillville, IN |
| MERRILLVILLE OFFICE | MERRILLVILLE, IN |
| PORTAGE OFFICE | Portage, IN |
| VALPARAISO OFFICE | VALPARAISO, IN |
| MEIJER BRANCH | Valparaiso, 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.
Cross-state Call Report peers for U S #1364
Similar total assets
Similar health score
Using this data
- U S #1364 ranks #1,438 of 4,374 nationally on financial health and #45 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fire Police City County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fire Police City County
Frequently Asked Questions
Is U S #1364 financially healthy?
On its 2025Q4 NCUA 5300 filing, U S #1364 scores 88/100 (Excellent), with a 13.58% net worth ratio and 0.77% of loans delinquent. It ranks #1,438 of 4,374 nationally on health and #45 of 124 in Indiana.
How does U S #1364 compare to other credit unions?
U S #1364 scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.58% vs 12.11%). Its widest shortfall is loan-to-share ratio (49.04% vs 72.20%).
How can I join U S #1364?
U S #1364 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 U S #1364 directly for the exact boundaries and application steps.
Is my money safe at U S #1364?
U S #1364 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. U S #1364's net worth ratio of 13.58% 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.