Public Service Credit Union Fort Wayne, Indiana
Public Service Credit Union is a state-chartered credit union headquartered in Fort Wayne, IN, established in 1932 (NCUA charter 64275), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,967 members and total assets of $86.9M (up 5.5% from Q2 2025), the 53rd largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 11.74% at Q2 2026, in the well capitalized band.
Also written as Public Service CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64275
- Headquarters
- Fort Wayne, IN
- Established
- 1932
- Total assets, Q2 2026
- $86.9M
- Assets vs Q2 2025
- +5.5%
- Members, Q2 2026
- 4,967
- Net worth ratio, Q2 2026
- 11.74%
- Latest call report
- Q2 2026, NCUA 5300 · Public Service Credit Union call report
- Asset rank in state
- 53rd of 118 in Indiana
- Routing number
- 274973358
- Branches
- 2
It has 138 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.17 percentage points from 11.57% on June 30, 2025. Used vehicle loans are its largest loan category, $20.1M of $52.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.74% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Indiana
Credit unions merged into Public Service Credit Union
Huntington County Federal Credit Union (2023) · Pinnacle Credit Union (2014)
Frequently asked about Public Service Credit Union
How big is Public Service Credit Union?
At Q2 2026 it reported total assets of $86.9M and 4,967 members.
Where is Public Service Credit Union headquartered?
It is headquartered in Fort Wayne, IN, United States.
When was Public Service Credit Union founded?
It was established in 1932, per NCUA records.
Is Public Service Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64275): 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 Public Service Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Public Service Credit Union well capitalized?
Its net worth ratio was 11.74% 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 Public Service Credit Union's delinquency ratio?
Its delinquency ratio was 0.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Public Service Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 68.70% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fort Wayne, IN 46804
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 64275
- RSSD ID
- 457499
- Members
- 4,967
- Potential members
- 395,000
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 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.74% | 14.31% | 30th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.79% | 0.72% | 53rd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.76% | 4.74% | 63rd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.81% | 3.93% | 45th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.45% | 79.83% | 47th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.19% | 0.78% | 27th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.89% | 0.86% | 49th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.00% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 68.70% | 58.92% | 64th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$86.9M total assets against $82.4M; $75.9M total shares and deposits against $72.1M; $52.2M total loans against $48.4M.
$10.2M net worth against $9.5M.
11.74% net worth ratio against 11.57%.
68.70% loan-to-share ratio against 67.07%.
0.89% delinquency ratio against 1.66%.
0.79% return on assets against 0.47%; 6.76% return on equity against 4.10%.
3.81% net interest margin against 3.88%.
4,967 members against 5,105.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.74% | 0.79% | 0.89% | 68.70% |
| March 31, 2026 | 11.46% | 0.77% | 0.85% | 65.80% |
| December 31, 2025 | 11.70% | 1.05% | 1.16% | 67.61% |
| September 30, 2025 | 11.74% | 0.66% | 1.16% | 68.33% |
| June 30, 2025 | 11.57% | 0.47% | 1.66% | 67.07% |
| March 31, 2025 | 11.31% | 0.33% | 0.90% | 65.08% |
Scroll sideways to see every column.
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.