TellerScore

Grand Heritage Federal Credit Union (NCUA charter #10666) is based in Laporte, Indiana. Its Q2 2026 call report shows $21.5M in total assets and $19.5M in member shares and deposits and 3 offices across 2 states.

Grand Heritage Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 81st. Funding & liquidity contributes the most (100/100, 47% loans-to-deposits, 0% uninsured); earnings contributes the least (28/100, 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.43%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings28/100
Return on assets (annualized): 0.19%
Funding & liquidity100/100
Loans ÷ shares: 47.0% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.02%

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

From Q2 2025 to Q2 2026, the score fell 3 points (70 → 67), mostly because the loan quality component weakened by 7 points.

TellerScore
405672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202463
Q4 202440
Q1 202566
Q2 202570
Q3 202569
Q4 202572
Q1 202666
Q2 202667
Net worth ratio
7.00%8.41%9.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.62%
Q3 20248.67%
Q4 20248.91%
Q1 20259.05%
Q2 20259.52%
Q3 20259.40%
Q4 20259.83%
Q1 20269.24%
Q2 20269.43%
Delinquent loans (60+ days)
0.00%1.40%2.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.25%
Q4 20242.80%
Q1 20250.17%
Q2 20250.01%
Q3 20250.19%
Q4 20250.00%
Q1 20260.24%
Q2 20260.22%
Return on assets
0.18%0.31%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.23%
Q3 20240.25%
Q4 20240.28%
Q1 20250.24%
Q2 20250.36%
Q3 20250.36%
Q4 20250.43%
Q1 20260.18%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$21.5M9.43%0.22%0.19%47.0%
Q1 202666$21.8M9.24%0.24%0.18%46.9%
Q4 202572$20.4M9.83%0.00%0.43%50.1%
Q3 202569$21.0M9.40%0.19%0.36%53.5%
Q2 202570$20.6M9.52%0.01%0.36%61.5%
Q1 202566$21.4M9.05%0.17%0.24%62.0%
Q4 202440$21.5M8.91%2.80%0.28%66.0%
Q3 202463$21.9M8.67%0.25%0.25%71.0%
Q2 202462$21.8M8.62%0.26%0.23%74.4%

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 ratio9.43%
12th
Problem loans0.22%
72nd
Net charge-offs0.37%
34th
Return on assets0.19%
27th
Loans to deposits47.0%
68th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.0%
65th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Community Spirit Credit UnionCredit union Lawrenceburg, IN55 out of 100, Moderate$21.5M10.4%2.03%vs
Diversified General Federal Credit UnionCredit union Logansport, IN64 out of 100, Moderate$20.9M8.2%0.23%vs
Fortress Federal Credit UnionCredit union Marion, IN88 out of 100, Very strong$22.3M17.6%0.08%vs
Power One Federal Credit UnionCredit union Fort Wayne, IN59 out of 100, Moderate$19.4M13.0%1.77%vs
Martin County CooperativeCredit union Loogootee, IN67 out of 100, Moderate$24.6M16.6%2.74%vs
Weatherhead C C Federal Credit UnionCredit union Columbia City, IN88 out of 100, Very strong$25.0M13.7%0.95%vs

Deposit insurance

Is my money safe at Grand Heritage Federal Credit Union?

Yes. Grand Heritage Federal Credit Union is a federally insured credit union (NCUA charter #10666). 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 9.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Grand Heritage Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Grand Heritage Federal Credit Union
Type
Federal credit union
NCUA charter #
10666
RSSD ID
770282
Primary regulator
NCUA
Established
1955
Headquarters
201 Koomler Dr, Laporte, IN 46350
Employees
8

Quick answers

Grand Heritage Federal Credit Union: common questions

Is Grand Heritage Federal Credit Union NCUA insured?

Yes. Grand Heritage Federal Credit Union is a federally insured credit union (NCUA charter #10666). 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 Grand Heritage Federal Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Grand Heritage Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Laporte

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of PorterBank Porter, IN90 out of 100, Very strong$162.3M16.8%0.00%vs
Generations Federal Credit UnionCredit union LA Porte, IN88 out of 100, Very strong$12.2M14.4%0.59%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs
United Federal Credit UnionCredit union St Joseph, MI75 out of 100, Strong$4.4B11.9%0.71%vs
Country Heritage Credit UnionCredit union Buchanan, MI75 out of 100, Strong$51.4M22.5%1.54%vs