Credit Union Safety Analysis
Is Gary Firefighters Association Federal Credit Union Safe? Gary, Indiana
Based on its Q2 2026 NCUA 5300 call report, Gary Firefighters Association Federal Credit Union has a net worth ratio of 44.22%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 10.30%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Gary Firefighters Association Federal Credit Union's net worth ratio is 44.22%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 44.22%
- Delinquency ratio (60+ days) (Q2 2026): 10.30%
- Return on assets (Q2 2026): -4.69%
- Loan-to-share ratio (Q2 2026): 53.42%
Gary Firefighters Association Federal Credit Union (NCUA charter 169, established 1935) reported $1.6M in assets and 285 members for Q2 2026 from Gary, Indiana. It ranks 111 of 118 credit unions in Indiana by total assets. Total assets fell 2.2% from $1.6M on June 30, 2025. It has 13 fewer members than on June 30, 2025 (-4.4%). Its net worth ratio was up 0.85 percentage points from 43.37% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $481K of $481K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 10.30% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 43.86% for Q1 2026; 43.37% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 11.10% for Q1 2026; 7.49% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -4.38% for Q1 2026; -1.47% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 51.90% for Q1 2026; 52.97% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $481K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.6M | 44.22% | 10.30% | -4.69% | 53.42% |
| March 31, 2026 | $1.6M | 43.86% | 11.10% | -4.38% | 51.90% |
| December 31, 2025 | $1.6M | 44.28% | 11.04% | 0.52% | 56.02% |
| September 30, 2025 | $1.7M | 42.67% | 6.33% | 0.04% | 53.30% |
| June 30, 2025 | $1.6M | 43.37% | 7.49% | -1.47% | 52.97% |
| March 31, 2025 | $1.6M | 43.38% | 8.89% | -1.51% | 54.93% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Gary Firefighters Association Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 169) · FFIEC NIC profile (RSSD 900874)
Frequently asked questions
Is Gary Firefighters Association Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gary Firefighters Association Federal Credit Union's net worth ratio is 44.22%, above the 7% NCUA threshold for well capitalized.
Is Gary Firefighters Association Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gary Firefighters Association Federal Credit Union is a federally insured credit union (NCUA charter 169): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gary Firefighters Association Federal Credit Union's key safety ratios?
For Q2 2026, Gary Firefighters Association Federal Credit Union reports net worth 44.22%, delinquency 10.30%, ROA -4.69%, loan-to-share 53.42%.
What happens to my money if Gary Firefighters Association Federal Credit Union fails?
For Q2 2026, Gary Firefighters Association Federal Credit Union held $900K in shares and deposits for 285 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.