TellerScore

Hammond Firefighters Assn. Credit Union is a non-federally insured state credit union headquartered in Hammond, Indiana, in business for about 88 years. At the end of Q2 2026 it reported $1.3M in total assets and $947K in member shares and deposits, with 1 office.

Hammond Firefighters Assn. Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 53rd. Capital cushion contributes the most (100/100, 28.93%); earnings contributes the least (38/100, 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 28.93%
Loan quality53/100
Loans 60+ days delinquent ÷ total loans: 1.41%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity100/100
Loans ÷ shares: 38.9% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.23%

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 rose 18 points (58 → 76), mostly because the loan quality component improved by 40 points.

TellerScore
587184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202475
Q4 202477
Q1 202567
Q2 202558
Q3 202568
Q4 202577
Q1 202684
Q2 202676
Net worth ratio
7.00%18.21%29.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202428.59%
Q3 202428.01%
Q4 202428.05%
Q1 202527.95%
Q2 202528.07%
Q3 202527.56%
Q4 202527.94%
Q1 202629.41%
Q2 202628.93%
Delinquent loans (60+ days)
1.41%2.46%3.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.20%
Q3 20242.49%
Q4 20242.04%
Q1 20253.50%
Q2 20252.60%
Q3 20252.93%
Q4 20251.55%
Q1 20261.51%
Q2 20261.41%
Return on assets
-0.41%0.87%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.15%
Q3 20241.57%
Q4 20241.28%
Q1 20251.09%
Q2 2025-0.41%
Q3 20251.12%
Q4 20250.79%
Q1 20261.66%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.3M28.93%1.41%0.45%38.9%
Q1 202684$1.3M29.41%1.51%1.66%40.3%
Q4 202577$1.4M27.94%1.55%0.79%41.8%
Q3 202568$1.4M27.56%2.93%1.12%27.8%
Q2 202558$1.3M28.07%2.60%-0.41%30.4%
Q1 202567$1.3M27.95%3.50%1.09%29.1%
Q4 202477$1.3M28.05%2.04%1.28%31.9%
Q3 202475$1.3M28.01%2.49%1.57%33.9%
Q2 202481$1.3M28.59%2.20%2.15%36.0%

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 ratio28.93%
93rd
Problem loans1.41%
30th
Net charge-offs0.00%
77th
Return on assets0.45%
39th
Loans to deposits38.9%
80th
Uninsured deposits0.0%
81st
Loan-loss reserves10.44%
98th
Texas ratio1.2%
62nd

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Hobart Ind School Employees Federal Credit UnionCredit union Hobart, IN25 out of 100, Low$1.3M-34.8%40.21%vs
Mt Zion Indianapolis Federal Credit UnionCredit union Indianapolis, IN98 out of 100, Very strong$1.4M38.3%0.00%vs
Gary Police Department Employees Federal Credit UnionCredit union Gary, IN80 out of 100, Strong$1.2M41.4%0.00%vs
Concora Wabash Federal Credit UnionCredit union Wabash, IN82 out of 100, Strong$1.2M21.9%0.00%vs
Gary Firefighters Association Federal Credit UnionCredit union Gary, IN54 out of 100, Below average$1.6M44.2%10.30%vs
Public Service Edwardspt Pl E Federal Credit UnionCredit union Linton, IN84 out of 100, Strong$1.7M14.5%0.23%vs

Deposit insurance

Is my money safe at Hammond Firefighters Assn. Credit Union?

Hammond Firefighters Assn. Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

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 28.93%, 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

Hammond Firefighters Assn. Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hammond Firefighters Assn. Credit Union
Type
Non-federally insured state credit union
NCUA charter #
82762
RSSD ID
469296
Primary regulator
State + NCUA
Established
1938
Headquarters
4949 Calumet Ave, Hammond, IN 46327
Employees
3

Quick answers

Hammond Firefighters Assn. Credit Union: common questions

Is Hammond Firefighters Assn. Credit Union NCUA insured?

Hammond Firefighters Assn. Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Hammond Firefighters Assn. Credit Union's TellerScore?

76 out of 100 (Strong), 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 Hammond Firefighters Assn. Credit Union have?

1 office as of the latest NCUA data.

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