TellerScore

Headquartered in Merrillville, Indiana, Profinance Federal Credit Union is a federal credit union with $15.0M in total assets and $11.8M in member shares and deposits as of Q2 2026. Its charter dates back to 1938.

Profinance Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 100th. Capital cushion contributes the most (100/100, 20.01%); loan quality contributes the least (0/100, 3.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.01%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.79%
Earnings28/100
Return on assets (annualized): 0.21%
Funding & liquidity100/100
Loans ÷ shares: 56.6% · 2.9% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.47%

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 20 points (79 → 59), mostly because the loan quality component weakened by 86 points.

TellerScore
597081Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202471
Q4 202472
Q1 202580
Q2 202579
Q3 202579
Q4 202581
Q1 202663
Q2 202659
Net worth ratio
7.00%14.14%21.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.91%
Q3 202420.26%
Q4 202420.73%
Q1 202520.31%
Q2 202520.96%
Q3 202521.29%
Q4 202520.66%
Q1 202620.18%
Q2 202620.01%
Delinquent loans (60+ days)
0.41%2.10%3.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20241.42%
Q4 20241.20%
Q1 20250.64%
Q2 20250.41%
Q3 20250.47%
Q4 20250.42%
Q1 20262.55%
Q2 20263.79%
Return on assets
-0.19%0.01%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.06%
Q3 2024-0.12%
Q4 2024-0.19%
Q1 20250.22%
Q2 2025-0.14%
Q3 20250.01%
Q4 20250.01%
Q1 20260.21%
Q2 20260.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$15.0M20.01%3.79%0.21%56.6%
Q1 202663$14.8M20.18%2.55%0.21%55.6%
Q4 202581$14.4M20.66%0.42%0.01%59.5%
Q3 202579$14.0M21.29%0.47%0.01%62.9%
Q2 202579$14.2M20.96%0.41%-0.14%59.9%
Q1 202580$14.8M20.31%0.64%0.22%54.0%
Q4 202472$14.4M20.73%1.20%-0.19%58.2%
Q3 202471$14.8M20.26%1.42%-0.12%59.7%
Q2 202481$14.4M20.91%0.42%0.06%59.3%

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 ratio20.01%
77th
Problem loans3.79%
9th
Net charge-offs-0.08%
93rd
Return on assets0.21%
28th
Loans to deposits56.6%
53rd
Uninsured deposits2.9%
37th
Loan-loss reserves0.00%
37th
Texas ratio8.5%
16th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Tippecanoe Federal Credit UnionCredit union Lafayette, IN75 out of 100, Strong$15.4M12.9%0.64%vs
Clifty Creek Employees Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$16.3M16.9%0.00%vs
Wayne County Federal Credit UnionCredit union Richmond, IN89 out of 100, Very strong$13.5M14.3%0.00%vs
A H E Plant 3 Federal Credit UnionCredit union Winchester, IN100 out of 100, Very strong$12.2M19.9%0.07%vs
Generations Federal Credit UnionCredit union LA Porte, IN88 out of 100, Very strong$12.2M14.4%0.59%vs
Jefferson Community Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$18.0M10.7%0.05%vs

Deposit insurance

Is my money safe at Profinance Federal Credit Union?

Yes. Profinance Federal Credit Union is a federally insured credit union (NCUA charter #2711). 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 2.9% of shares and deposits ($342K) 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 20.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Profinance Federal Credit Union
Type
Federal credit union
NCUA charter #
2711
RSSD ID
700878
Primary regulator
NCUA
Established
1938
Headquarters
334 W 84th Dr, Merrillville, IN 46410
Employees
4

Quick answers

Profinance Federal Credit Union: common questions

Is Profinance Federal Credit Union NCUA insured?

Yes. Profinance Federal Credit Union is a federally insured credit union (NCUA charter #2711). 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 Profinance Federal Credit Union's TellerScore?

59 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.