Credit Union Safety Analysis
Is Public Service Credit Union Safe? Fort Wayne, Indiana
Based on its Q2 2026 NCUA 5300 call report, Public Service Credit Union has a net worth ratio of 11.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.89%, 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, Public Service Credit Union's net worth ratio is 11.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.74%
- Delinquency ratio (60+ days) (Q2 2026): 0.89%
- Return on assets (Q2 2026): 0.79%
- Loan-to-share ratio (Q2 2026): 68.70%
Public Service Credit Union (NCUA charter 64275, established 1932) reported $86.9M in assets and 4,967 members for Q2 2026 from Fort Wayne, Indiana. It ranks 53 of 118 credit unions in Indiana by total assets. Total assets grew 5.5% from $82.4M on June 30, 2025. 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.
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: 11.46% for Q1 2026; 11.57% 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: 0.85% for Q1 2026; 1.66% 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: 0.77% for Q1 2026; 0.47% 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: 65.80% for Q1 2026; 67.07% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $20.1M
- 1- to 4-family residential and other consumer real estate loans: $19.1M
- New vehicle loans: $3.9M
- Unsecured credit card loans: $3.7M
- Other secured non-real estate loans and lines of credit: $3.5M
- Other unsecured loans and lines of credit: $1.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $86.9M | 11.74% | 0.89% | 0.79% | 68.70% |
| March 31, 2026 | $87.5M | 11.46% | 0.85% | 0.77% | 65.80% |
| December 31, 2025 | $84.3M | 11.70% | 1.16% | 1.05% | 67.61% |
| September 30, 2025 | $82.3M | 11.74% | 1.16% | 0.66% | 68.33% |
| June 30, 2025 | $82.4M | 11.57% | 1.66% | 0.47% | 67.07% |
| March 31, 2025 | $83.4M | 11.31% | 0.90% | 0.33% | 65.08% |
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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.
Public Service Credit Union profile
Regulator records: NCUA credit union profile (charter 64275) · FFIEC NIC profile (RSSD 457499)
Frequently asked questions
Is Public Service Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Public Service Credit Union's net worth ratio is 11.74%, above the 7% NCUA threshold for well capitalized.
Is Public Service Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Public Service Credit Union is a federally insured credit union (NCUA charter 64275): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Public Service Credit Union's key safety ratios?
For Q2 2026, Public Service Credit Union reports net worth 11.74%, delinquency 0.89%, ROA 0.79%, loan-to-share 68.70%.
What happens to my money if Public Service Credit Union fails?
For Q2 2026, Public Service Credit Union held $75.9M in shares and deposits for 4,967 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.