TellerScore

Headquartered in Fort Wayne, Indiana, Public Service #3 Credit Union is a federally insured state-chartered credit union with $86.9M in total assets and $75.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1932.

Based on its Q2 2026 filing, Public Service #3 Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 71st. Its strongest component is funding & liquidity (92/100; 69% loans-to-deposits, 4% uninsured), and its lowest is earnings (51/100; 0.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.74%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity92/100
Loans ÷ shares: 68.7% · 4.4% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.55%

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 10 points (61 → 71), mostly because the loan quality component improved by 25 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202469
Q1 202566
Q2 202561
Q3 202566
Q4 202567
Q1 202671
Q2 202671
Net worth ratio
7.00%9.37%11.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.59%
Q3 202411.64%
Q4 202411.41%
Q1 202511.31%
Q2 202511.57%
Q3 202511.74%
Q4 202511.70%
Q1 202611.46%
Q2 202611.74%
Delinquent loans (60+ days)
0.66%1.16%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20240.68%
Q4 20240.66%
Q1 20250.90%
Q2 20251.66%
Q3 20251.16%
Q4 20251.16%
Q1 20260.85%
Q2 20260.89%
Return on assets
0.27%0.53%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.27%
Q3 20240.28%
Q4 20240.29%
Q1 20250.33%
Q2 20250.40%
Q3 20250.49%
Q4 20250.62%
Q1 20260.77%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$86.9M11.74%0.89%0.78%68.7%
Q1 202671$87.5M11.46%0.85%0.77%65.8%
Q4 202567$84.3M11.70%1.16%0.62%67.6%
Q3 202566$82.3M11.74%1.16%0.49%68.3%
Q2 202561$82.4M11.57%1.66%0.40%67.1%
Q1 202566$83.4M11.31%0.90%0.33%65.1%
Q4 202469$82.1M11.41%0.66%0.29%66.0%
Q3 202468$80.1M11.64%0.68%0.28%68.0%
Q2 202466$79.9M11.59%0.96%0.27%67.0%

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 ratio11.74%
29th
Problem loans0.89%
43rd
Net charge-offs0.22%
45th
Return on assets0.78%
57th
Loans to deposits68.7%
35th
Uninsured deposits4.4%
25th
Loan-loss reserves0.00%
37th
Texas ratio4.5%
32nd

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Firefighters Credit UnionCredit union Indianapolis, IN79 out of 100, Strong$88.1M12.6%0.27%vs
Lampco Federal Credit UnionCredit union Anderson, IN56 out of 100, Moderate$89.6M9.7%0.89%vs
Evansville Federal Credit UnionCredit union Evansville, IN74 out of 100, Strong$90.2M14.5%1.50%vs
Kemba Indianapolis Credit UnionCredit union Indianapolis, IN82 out of 100, Strong$82.3M16.0%1.04%vs
Members Source Credit UnionCredit union Merrillville, IN71 out of 100, Strong$92.0M14.0%1.83%vs
Family Horizons Credit UnionCredit union Indianapolis, IN66 out of 100, Moderate$93.2M11.1%0.42%vs

Deposit insurance

Is my money safe at Public Service #3 Credit Union?

Yes. Public Service #3 Credit Union is a federally insured credit union (NCUA charter #64275). 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 4.4% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Public Service #3 Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Public Service #3 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64275
RSSD ID
457499
Primary regulator
State + NCUA
Established
1932
Headquarters
4025 W Jefferson Blvd, Fort Wayne, IN 46804
Employees
19

Quick answers

Public Service #3 Credit Union: common questions

Is Public Service #3 Credit Union NCUA insured?

Yes. Public Service #3 Credit Union is a federally insured credit union (NCUA charter #64275). 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 Public Service #3 Credit Union's TellerScore?

71 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 Public Service #3 Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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