Gary Police Department Employees Federal Credit Union Gary, Indiana
Gary Police Department Employees Federal Credit Union is a federal credit union headquartered in Gary, IN, established in 1939 (NCUA charter 3251), and it is regulated and insured by the NCUA. At Q2 2026 it reported 98 members and total assets of $1.2M (down 4.5% from Q2 2025), the 114th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 41.39% at Q2 2026, in the well capitalized band.
Also written as Gary Police Department Employees FCU
BankRegReports is independent of Gary Police Department Employees Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 3251
- Headquarters
- Gary, IN
- Established
- 1939
- Total assets, Q2 2026
- $1.2M
- Assets vs Q2 2025
- -4.5%
- Members, Q2 2026
- 98
- Net worth ratio, Q2 2026
- 41.39%
- Latest call report
- Q2 2026, NCUA 5300 · Gary Police Department Employees Federal Credit Union call report
- Asset rank in state
- 114th of 118 in Indiana
- Routing number
- 271990842
- Branches
- 1
It has 4 fewer members than on June 30, 2025 (-3.9%). Its net worth ratio was down 1.85 percentage points from 43.24% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $218K of $218K in total loans on its June 30, 2026 filing.
Credit unions similar in size in Indiana
Frequently asked about Gary Police Department Employees Federal Credit Union
How big is Gary Police Department Employees Federal Credit Union?
At Q2 2026 it reported total assets of $1.2M and 98 members.
Where is Gary Police Department Employees Federal Credit Union headquartered?
It is headquartered in Gary, IN, United States.
When was Gary Police Department Employees Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is Gary Police Department Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3251): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Gary Police Department Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Gary Police Department Employees Federal Credit Union well capitalized?
Its net worth ratio was 41.39% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Gary Police Department Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 30.60% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Gary, IN 46402
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 3251
- RSSD ID
- 625074
- Members
- 98
- Potential members
- 400
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 41.39% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.79% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -6.75% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.37% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 215.98% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.56% | 0.78% | 63rd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 2.93% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 30.60% | 58.92% | 12th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.2M total assets against $1.3M; $712K total shares and deposits against $722K; $218K total loans against $287K.
$502K net worth against $550K.
41.39% net worth ratio against 43.24%.
30.60% loan-to-share ratio against 39.75%.
-2.79% return on assets against -3.49%; -6.75% return on equity against -8.08%.
2.37% net interest margin against 2.74%.
98 members against 102.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 41.39% | -2.79% | — | 30.60% |
| March 31, 2026 | 41.75% | -6.16% | 9.70% | 32.47% |
| December 31, 2025 | 42.63% | -5.29% | 13.75% | 33.97% |
| September 30, 2025 | 43.18% | -1.18% | 9.11% | 36.89% |
| June 30, 2025 | 43.24% | -3.49% | 8.61% | 39.75% |
| March 31, 2025 | 43.76% | -4.75% | 0.93% | 37.34% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.