Credit union · NCUA insured
REGIONAL federal credit union
A $184.3M credit union headquartered in Winfield, IN, with 26,768 members and 4 branches in Indiana. Best rates: CDs 4.08% and savings 0.44% APY.
REGIONAL federal credit union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#54 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About REGIONAL federal credit union
REGIONAL federal credit union is a member-owned cooperative chartered in 1961 that opened for business in 1962.
Originally Hammond School Employees Federal Credit Union, it adopted the REGIONAL name and merged with Portage School Employees in 1984, serving Lake and Porter Counties in Indiana.
- Headquarters
- 10909 Randolph St, Winfield, IN 46307
- NCUA charter
- 15072
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school or business in Lake and Porter Counties in Indiana.
Branches
4 branches in Indiana
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Indiana
4 branches
- WinfieldMain office10909 Randolph St, Winfield, IN 46307Directions
- Hammond7144 Kennedy Ave, Hammond, IN 46323Directions
- Portage389 W US Highway 6, Valparaiso, IN 46385Directions
- Valparaiso2801 Boilermaker Ct, Valparaiso, IN 46383Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.55% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.07% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio13.55%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.07%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of REGIONAL federal credit union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.