Credit Union Safety Analysis
Is Gary Police Department Employees Federal Credit Union Safe? Gary, Indiana
Based on its Q2 2026 NCUA 5300 call report, Gary Police Department Employees Federal Credit Union has a net worth ratio of 41.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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 Police Department Employees Federal Credit Union's net worth ratio is 41.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 41.39%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -2.79%
- Loan-to-share ratio (Q2 2026): 30.60%
Gary Police Department Employees Federal Credit Union (NCUA charter 3251, established 1939) reported $1.2M in assets and 98 members for Q2 2026 from Gary, Indiana. It ranks 114 of 118 credit unions in Indiana by total assets. Total assets fell 4.5% from $1.3M on June 30, 2025. 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.
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: 41.75% for Q1 2026; 43.24% 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: 9.70% for Q1 2026; 8.61% 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: -6.16% for Q1 2026; -3.49% 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: 32.47% for Q1 2026; 39.75% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $218K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.2M | 41.39% | — | -2.79% | 30.60% |
| March 31, 2026 | $1.2M | 41.75% | 9.70% | -6.16% | 32.47% |
| December 31, 2025 | $1.2M | 42.63% | 13.75% | -5.29% | 33.97% |
| September 30, 2025 | $1.3M | 43.18% | 9.11% | -1.18% | 36.89% |
| June 30, 2025 | $1.3M | 43.24% | 8.61% | -3.49% | 39.75% |
| March 31, 2025 | $1.3M | 43.76% | 0.93% | -4.75% | 37.34% |
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Free to use. It shows Gary Police Department Employees Federal Credit Union’s latest filed figures and updates each quarter.
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 Police Department Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3251) · FFIEC NIC profile (RSSD 625074)
Frequently asked questions
Is Gary Police Department Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gary Police Department Employees Federal Credit Union's net worth ratio is 41.39%, above the 7% NCUA threshold for well capitalized.
Is Gary Police Department Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gary Police Department Employees Federal Credit Union is a federally insured credit union (NCUA charter 3251): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gary Police Department Employees Federal Credit Union's key safety ratios?
For Q2 2026, Gary Police Department Employees Federal Credit Union reports net worth 41.39%, delinquency not reported, ROA -2.79%, loan-to-share 30.60%.
What happens to my money if Gary Police Department Employees Federal Credit Union fails?
For Q2 2026, Gary Police Department Employees Federal Credit Union held $712K in shares and deposits for 98 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.