TellerScore

Headquartered in Merrillville, Indiana, U S #1364 Federal Credit Union is a federal credit union with $222.4M in total assets and $192.4M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, U S #1364 Federal Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 52nd. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 6% uninsured), and its lowest is earnings (52/100; 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.59%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.12%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity100/100
Loans ÷ shares: 46.7% · 5.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.34%

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 7 points (83 → 76), mostly because the earnings component weakened by 15 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202482
Q4 202482
Q1 202580
Q2 202583
Q3 202584
Q4 202582
Q1 202677
Q2 202676
Net worth ratio
7.00%10.42%13.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.72%
Q3 202412.79%
Q4 202412.79%
Q1 202512.84%
Q2 202513.46%
Q3 202513.75%
Q4 202513.84%
Q1 202613.58%
Q2 202613.59%
Delinquent loans (60+ days)
0.43%0.78%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.51%
Q4 20240.64%
Q1 20250.70%
Q2 20250.70%
Q3 20250.70%
Q4 20250.77%
Q1 20260.90%
Q2 20261.12%
Return on assets
0.69%0.96%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.20%
Q4 20241.22%
Q1 20251.11%
Q2 20251.18%
Q3 20251.18%
Q4 20251.12%
Q1 20260.69%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$222.4M13.59%1.12%0.79%46.7%
Q1 202677$218.9M13.58%0.90%0.69%47.2%
Q4 202582$212.0M13.84%0.77%1.12%49.0%
Q3 202584$210.2M13.75%0.70%1.18%49.7%
Q2 202583$210.1M13.46%0.70%1.18%50.1%
Q1 202580$215.3M12.84%0.70%1.11%48.5%
Q4 202482$211.4M12.79%0.64%1.22%49.3%
Q3 202482$206.2M12.79%0.51%1.20%51.0%
Q2 202483$201.9M12.72%0.43%1.15%52.1%

1,341 peers · $100 million – $1 billion

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 ratio13.59%
75th
Problem loans1.12%
25th
Net charge-offs0.24%
65th
Return on assets0.79%
54th
Loans to deposits46.7%
92nd
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio3.3%
57th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Summit Choice Federal Credit UnionCredit union Fort Wayne, IN72 out of 100, Strong$206.6M12.6%0.66%vs
Encompass Federal Credit UnionCredit union Tipton, IN52 out of 100, Below average$240.7M9.4%1.60%vs
First Trust Credit UnionCredit union Michigan City, IN63 out of 100, Moderate$191.6M13.4%3.08%vs
Regional Federal Credit UnionCredit union Winfield, IN68 out of 100, Moderate$180.1M13.6%1.07%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs
Allegius Federal Credit UnionCredit union Burns Harbor, IN69 out of 100, Moderate$176.9M14.2%1.63%vs

Deposit insurance

Is my money safe at U S #1364 Federal Credit Union?

Yes. U S #1364 Federal Credit Union is a federally insured credit union (NCUA charter #1364). 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 5.8% of shares and deposits ($11.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.59%, well 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

U S #1364 Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
U S #1364 Federal Credit Union
Type
Federal credit union
NCUA charter #
1364
RSSD ID
491970
Primary regulator
NCUA
Established
1936
Headquarters
707 E 80th Pl Ste 300, Merrillville, IN 46410
Employees
32

Quick answers

U S #1364 Federal Credit Union: common questions

Is U S #1364 Federal Credit Union NCUA insured?

Yes. U S #1364 Federal Credit Union is a federally insured credit union (NCUA charter #1364). 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 U S #1364 Federal 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 U S #1364 Federal Credit Union have?

3 offices as of the latest NCUA data.