Credit Union Safety Analysis
Is U S #1364 Federal Credit Union Safe? Merrillville, Indiana
Based on its Q2 2026 NCUA 5300 call report, U S #1364 Federal Credit Union has a net worth ratio of 13.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.12%, 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, U S #1364 Federal Credit Union's net worth ratio is 13.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.59%
- Delinquency ratio (60+ days) (Q2 2026): 1.12%
- Return on assets (Q2 2026): 0.91%
- Loan-to-share ratio (Q2 2026): 46.74%
U S #1364 Federal Credit Union (NCUA charter 1364, established 1936) reported $222.4M in assets and 13,057 members for Q2 2026 from Merrillville, Indiana. It ranks 29 of 118 credit unions in Indiana by total assets. Total assets grew 5.8% from $210.1M on June 30, 2025. It has 85 more members than on June 30, 2025 (+0.7%). Its net worth ratio was up 0.13 percentage points from 13.46% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $53.4M of $89.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.12% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.58% for Q1 2026; 13.46% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.90% for Q1 2026; 0.70% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.69% for Q1 2026; 1.22% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 47.22% for Q1 2026; 50.13% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $53.4M
- Used vehicle loans: $27.4M
- New vehicle loans: $6.3M
- Other unsecured loans and lines of credit: $1.4M
- Other secured non-real estate loans and lines of credit: $1.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $222.4M | 13.59% | 1.12% | 0.91% | 46.74% |
| March 31, 2026 | $218.9M | 13.58% | 0.90% | 0.69% | 47.22% |
| December 31, 2025 | $212.0M | 13.84% | 0.77% | 0.95% | 49.04% |
| September 30, 2025 | $210.2M | 13.75% | 0.70% | 1.20% | 49.73% |
| June 30, 2025 | $210.1M | 13.46% | 0.70% | 1.22% | 50.13% |
| March 31, 2025 | $215.3M | 12.84% | 0.70% | 1.11% | 48.45% |
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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.
U S #1364 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1364) · FFIEC NIC profile (RSSD 491970)
Frequently asked questions
Is U S #1364 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, U S #1364 Federal Credit Union's net worth ratio is 13.59%, above the 7% NCUA threshold for well capitalized.
Is U S #1364 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. U S #1364 Federal Credit Union is a federally insured credit union (NCUA charter 1364): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are U S #1364 Federal Credit Union's key safety ratios?
For Q2 2026, U S #1364 Federal Credit Union reports net worth 13.59%, delinquency 1.12%, ROA 0.91%, loan-to-share 46.74%.
What happens to my money if U S #1364 Federal Credit Union fails?
For Q2 2026, U S #1364 Federal Credit Union held $192.4M in shares and deposits for 13,057 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.