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
- RANK 88/100
- PHOTO 13.6%
- BOOK 0.77%
- CHARTER 1.22%
- NCUSIF $212.0M
- CAMELS 12,963
- HEALTH #1,438/4,374
- NW Associated School Employees
- DELQ 1364
Call Report peers
U S #1364 in the assets neighbourhood
U S #1364's $212.0M assets sit next to Associated School Employees ($211.9M) 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.
U S #1364 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
88 Top 35% higher than 65% 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
U S #1364 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1364: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
U S #1364: 2025Q4 → 2026Q1
U S #1364: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $212.0M (2025Q4) to $218.9M (2026Q1).
- Net-worth ratio shifted -0.26 pp (13.84% → 13.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for U S #1364, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($212.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 U S #1364 financially healthy?
U S #1364 has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,438 of 4,374; by total assets it ranks #1,241 of 4,374 nationally (same basis as /rankings/largest); and #29 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 13.58% and delinquency rate of 0.77%.
How does U S #1364 compare to other credit unions?
PlainCU's health composite puts U S #1364 at 88/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like U S #1364 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. U S #1364's net worth ratio of 13.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U S #1364 offer compared to banks?
Credit unions like U S #1364 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 U S #1364 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.