TellerScore

Gary Municipal Employees Federal Credit Union (NCUA charter #16126) is based in Gary, Indiana. Its Q2 2026 call report shows $537K in total assets and $308K in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Gary Municipal Employees Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 13% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 111th. Its strongest component is capital cushion (100/100; 40.56%), and its lowest is earnings (0/100; -1.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 40.56%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 7.73%
Earnings0/100
Return on assets (annualized): -1.11%
Funding & liquidity100/100
Loans ÷ shares: 48.5% · 0.0% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.14%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (54 → 54).

TellerScore
547391Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202491
Q4 202489
Q1 202575
Q2 202554
Q3 202555
Q4 202559
Q1 202675
Q2 202654
Net worth ratio
7.00%24.50%41.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202441.24%
Q3 202440.83%
Q4 202441.77%
Q1 202539.79%
Q2 202540.56%
Q3 202541.48%
Q4 202541.99%
Q1 202639.79%
Q2 202640.56%
Delinquent loans (60+ days)
0.00%3.87%7.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.51%
Q1 20250.54%
Q2 20257.73%
Q3 20253.84%
Q4 20254.10%
Q1 20260.54%
Q2 20267.73%
Return on assets
-3.05%-0.91%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.86%
Q4 20241.22%
Q1 2025-3.05%
Q2 2025-1.11%
Q3 2025-0.43%
Q4 20250.06%
Q1 2026-3.05%
Q2 2026-1.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$537K40.56%7.73%-1.11%48.5%
Q1 202675$544K39.79%0.54%-3.05%39.6%
Q4 202559$526K41.99%4.10%0.06%44.3%
Q3 202555$528K41.48%3.84%-0.43%47.9%
Q2 202554$537K40.56%7.73%-1.11%48.5%
Q1 202575$544K39.79%0.54%-3.05%39.6%
Q4 202489$528K41.77%0.51%1.22%42.7%
Q3 202491$533K40.83%0.00%0.86%45.5%
Q2 202487$521K41.24%0.00%0.32%35.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio40.56%
98th
Problem loans7.73%
3rd
Net charge-offs0.25%
42nd
Return on assets-1.11%
7th
Loans to deposits48.5%
66th
Uninsured deposits0.0%
81st
Loan-loss reserves4.76%
96th
Texas ratio5.1%
29th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
H a L E Federal Credit UnionCredit union Indianapolis, IN100 out of 100, Very strong$399K25.1%0.00%vs
Battery Employees Federal Credit UnionCredit union Attica, IN74 out of 100, Strong$847K29.3%2.64%vs
Concora Wabash Federal Credit UnionCredit union Wabash, IN82 out of 100, Strong$1.2M21.9%0.00%vs
Gary Police Department Employees Federal Credit UnionCredit union Gary, IN80 out of 100, Strong$1.2M41.4%0.00%vs
Hobart Ind School Employees Federal Credit UnionCredit union Hobart, IN25 out of 100, Low$1.3M-34.8%40.21%vs
Hammond Firefighters Assn. Credit UnionCredit union Hammond, IN76 out of 100, Strong$1.3M28.9%1.41%vs

Deposit insurance

Is my money safe at Gary Municipal Employees Federal Credit Union?

Yes. Gary Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #16126). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 40.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Gary Municipal Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gary Municipal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
16126
RSSD ID
446082
Primary regulator
NCUA
Established
1964
Headquarters
401 Broadway, Room B1, Gary, IN 46402
Employees
3

Quick answers

Gary Municipal Employees Federal Credit Union: common questions

Is Gary Municipal Employees Federal Credit Union NCUA insured?

Yes. Gary Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #16126). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gary Municipal Employees Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gary Municipal Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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