Federal credit union · Columbus, Indiana · NCUA charter #13940
Business and Industrial
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $44.7M
- Total assets
- 3,815
- Members
- 17.5%
- Net-worth ratio
Business and Industrial scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.7M; members 3,815; net-worth ratio 17.46%; health rank #2,221 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,221 of 4,374 health · 2025Q4Business and Industrial · health 83/100 · $44.7M · 2025Q4
- DELQ 83/100
- ROA 17.5%
- ASSETS 0.11%
- MEM 1.21%
- RANK $44.7M
- PHOTO 3,815
- BOOK #2,221/4,374
- CHARTER LAKESHORE
- NCUSIF 13940
Call Report peers
Business and Industrial in the assets neighbourhood
Business and Industrial's $44.7M assets sit next to LAKESHORE ($44.7M) 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.
Business and Industrial 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
83 46th percentile higher than 46% 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
Business and Industrial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13940. See our deposit-insurance coverage note.
Business and Industrial: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.60 pp (17.46% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.95 pp (46.85% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Business and Industrial: in-state Call Report ranks
- In Indiana, health place is #63 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, Business and Industrial is #70 of 124 in Indiana.
- Member book place in Indiana: #70 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Business and Industrial's 5300 filing moved
Business and Industrial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $44.7M (2025Q4) to $45.7M (2026Q1).
- Net-worth ratio shifted -0.10 pp (17.56% → 17.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 10.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.46% | +2.60 pp |
| Delinquency Rate | 0.11% | -1.04 pp |
| Return on Assets | 1.21% | +0.50 pp |
| Member Growth | -3.37% | - |
| Loan-to-Share Ratio | 46.85% | -12.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Business and Industrial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.7M | - |
| 2025Q4 | $44.7M | 3,815 |
| 2024Q4 | $42.4M | 3,948 |
| 2023Q4 | $44.9M | 4,122 |
Credit Union Details
- Charter Number
- 13940
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Columbus
- Data Quarter
- 2025Q4
Branch Locations (2)
Business and Industrial operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Marr Road (Main Office) | Columbus, IN |
| 2118 Lanier Drive | Madison, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Business and Industrial - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Business and Industrial ranks #2,221 of 4,374 nationally on financial health and #63 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Energy Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Energy Plus
- 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 Business and Industrial financially healthy?
Business and Industrial scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,221 of 4,374; by total assets it ranks #2,499 of 4,374 nationally (same basis as /rankings/largest); and #70 of 124 within Indiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.46% net worth ratio and a 0.11% delinquency rate.
How does Business and Industrial compare to other credit unions?
83/100 is Business and Industrial's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Business and Industrial?
Business and Industrial 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 Business and Industrial directly for the exact boundaries and application steps.
Is my money safe at Business and Industrial?
Federal credit unions like Business and Industrial 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. Business and Industrial's net worth ratio of 17.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Business and Industrial offer compared to banks?
Credit unions like Business and Industrial 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 Business and Industrial 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.