Credit Union Safety Analysis
Is Hammond Firefighters Association Credit Union Safe? Hammond, Indiana
Based on its Q2 2026 NCUA 5300 call report, Hammond Firefighters Association Credit Union has a net worth ratio of 28.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.41%, 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, Hammond Firefighters Association Credit Union's net worth ratio is 28.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 28.93%
- Delinquency ratio (60+ days) (Q2 2026): 1.41%
- Return on assets (Q2 2026): -0.71%
- Loan-to-share ratio (Q2 2026): 38.92%
Hammond Firefighters Association Credit Union (NCUA charter 82762, established 1900) reported $1.3M in assets and 286 members for Q2 2026 from Hammond, Indiana. It ranks 113 of 118 credit unions in Indiana by total assets. Total assets grew 1.1% from $1.3M on June 30, 2025. It has 2 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 0.86 percentage points from 28.07% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $369K of $369K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.41% 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: 29.41% for Q1 2026; 28.07% 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: 1.51% for Q1 2026; 2.60% 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: 1.66% for Q1 2026; -1.93% 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: 40.30% for Q1 2026; 30.43% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $369K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.3M | 28.93% | 1.41% | -0.71% | 38.92% |
| March 31, 2026 | $1.3M | 29.41% | 1.51% | 1.66% | 40.30% |
| December 31, 2025 | $1.4M | 27.94% | 1.55% | -0.23% | 41.82% |
| September 30, 2025 | $1.4M | 27.56% | 2.93% | 4.16% | 27.76% |
| June 30, 2025 | $1.3M | 28.07% | 2.60% | -1.93% | 30.43% |
| March 31, 2025 | $1.3M | 27.95% | 3.50% | 1.09% | 29.06% |
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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.
Hammond Firefighters Association Credit Union profile
Regulator records: NCUA credit union profile (charter 82762) · FFIEC NIC profile (RSSD 469296)
Frequently asked questions
Is Hammond Firefighters Association Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Hammond Firefighters Association Credit Union's net worth ratio is 28.93%, above the 7% NCUA threshold for well capitalized.
Is Hammond Firefighters Association Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Hammond Firefighters Association Credit Union is a federally insured credit union (NCUA charter 82762): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Hammond Firefighters Association Credit Union's key safety ratios?
For Q2 2026, Hammond Firefighters Association Credit Union reports net worth 28.93%, delinquency 1.41%, ROA -0.71%, loan-to-share 38.92%.
What happens to my money if Hammond Firefighters Association Credit Union fails?
For Q2 2026, Hammond Firefighters Association Credit Union held $947K in shares and deposits for 286 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.