Federal credit union · Marion, Indiana · NCUA charter #12153
AFENA
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $94.0M
- Total assets
- 9,075
- Members
- 11.5%
- Net-worth ratio
AFENA scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.0M; members 9,075; net-worth ratio 11.54%; health rank #2,602 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,602 of 4,374 health · 2025Q4AFENA · health 81/100 · $94.0M · 2025Q4
- HEALTH 81/100
- NW 11.5%
- DELQ 1.67%
- ROA 0.10%
- ASSETS $94.0M
- MEM 9,075
- RANK #2,602/4,374
- PHOTO ZELLCO
- BOOK 12153
Call Report peers
AFENA in the assets neighbourhood
AFENA's $94.0M assets sit next to ZELLCO ($94.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AFENA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
AFENA - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12153 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for AFENA
- Loan-to-Share Ratio leads the peer set - 76.27% here, 62.60% peer average (+13.67 pp).
- Largest lag: Net Worth Ratio at 11.54% vs peer 13.62% (-2.08 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for AFENA
- Indiana health ordinal: #73 of 124.
- Indiana assets place: #45 of 124.
- Membership ranks #40 of 124 among Indiana CUs with a reported count (9,075 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for AFENA
AFENA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $94.0M (2025Q4) to $96.2M (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.67% → 11.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.0 pts
- Return on Assets 9.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 15.2 pts
AFENA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.54% | -2.08 pp |
| Delinquency Rate | 1.67% | +0.70 pp |
| Return on Assets | 0.10% | -0.56 pp |
| Member Growth | 2.32% | - |
| Loan-to-Share Ratio | 76.27% | +13.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - AFENA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $96.2M | - |
| 2025Q4 | $94.0M | 9,075 |
| 2024Q4 | $97.0M | 8,869 |
| 2023Q4 | $97.8M | 8,672 |
Credit Union Details
- Charter Number
- 12153
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Marion
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, AFENA runs 4 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Headquarters (Main Office) | Marion, IN |
| Member Driven Technologies | Farmington Hills, MI |
| 44th St Branch | Marion, IN |
| Upland Branch | Upland, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for AFENA
AFENA's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($94.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- AFENA ranks #2,602 of 4,374 nationally on financial health and #73 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Family Horizons is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Family Horizons
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is AFENA financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - AFENA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,602 of 4,374; by total assets it ranks #1,875 of 4,374 nationally (same basis as /rankings/largest); and #45 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.54% net worth ratio and 1.67% delinquency rate are the key drivers.
How does AFENA compare to other credit unions?
PlainCU's health composite puts AFENA at 81/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join AFENA?
AFENA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AFENA directly for the exact boundaries and application steps.
Is my money safe at AFENA?
Federal credit unions like AFENA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AFENA's net worth ratio of 11.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AFENA offer compared to banks?
Credit unions like AFENA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact AFENA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.