Federal credit union · WABASH, Indiana · NCUA charter #3006
Concora Wabash
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $1.2M
- Total assets
- 251
- Members
- 22.1%
- Net-worth ratio
Concora Wabash scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.2M; members 251; net-worth ratio 22.06%; health rank #3,904 of 4,374; healthier than 10th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,904 of 4,374 health · 2025Q4Concora Wabash · health 64/100 · $1.2M · 2025Q4
- MEM 64/100
- RANK 22.1%
- PHOTO 0.16%
- BOOK -0.29%
- CHARTER $1.2M
- NCUSIF 251
- CAMELS #3,904/4,374
- HEALTH n/a
- NW 3006
Concora Wabash carries $1.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Concora Wabash 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
64 10th percentile higher than 10% 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
Concora Wabash - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3006: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Concora Wabash diverges from peer averages
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +57.58 pp (110.28% vs 52.70%).
- Largest lag: Net Worth Ratio at 22.06% vs peer 22.93% (-0.87 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Concora Wabash in Indiana
- In Indiana, health place is #110 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, Concora Wabash is #121 of 124 in Indiana.
- Membership ranks #118 of 124 among Indiana CUs with a reported count (251 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.
How Concora Wabash's 5300 filing moved
Concora Wabash: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.5% from $1.2M (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted +1.16 pp (20.90% → 22.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 22.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 1.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.1 pts
Call Report ratios for Concora Wabash
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.06% | -0.87 pp |
| Delinquency Rate | 0.16% | -4.31 pp |
| Return on Assets | -0.29% | -0.51 pp |
| Member Growth | -5.28% | - |
| Loan-to-Share Ratio | 110.28% | +57.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Concora Wabash filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.1M | - |
| 2025Q4 | $1.2M | 251 |
| 2024Q4 | $1.3M | 265 |
| 2023Q4 | $1.4M | 262 |
Credit Union Details
- Charter Number
- 3006
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Indiana
- City
- WABASH
- Data Quarter
- 2025Q4
Branch Location
Concora Wabash operates a single office in WABASH, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CONCORA WABASH FCU (Main Office) | WABASH, 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.
Other-state peers near Concora Wabash
Concora Wabash's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- Concora Wabash ranks #3,904 of 4,374 nationally on financial health and #110 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Richmond Light Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Richmond Light Employees
- 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 Concora Wabash financially healthy?
A 22.06% net worth ratio and a 0.16% delinquency rate feed into Concora Wabash's financial health score of 64/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,904 of 4,374; by total assets it ranks #4,210 of 4,374 nationally (same basis as /rankings/largest); and #121 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Concora Wabash compare to other credit unions?
Five weighted metrics from NCUA filings produce Concora Wabash's 64/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Concora Wabash?
Concora Wabash 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 Concora Wabash directly for the exact boundaries and application steps.
Is my money safe at Concora Wabash?
Federal credit unions like Concora Wabash 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. Concora Wabash's net worth ratio of 22.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Concora Wabash offer compared to banks?
Credit unions like Concora Wabash 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 Concora Wabash 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.