Federal credit union · Evansville, Indiana · NCUA charter #14562
Evansville
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $90.6M
- Total assets
- 5,854
- Members
- 14.1%
- Net-worth ratio
Evansville - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14562: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Evansville - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)68
- Earnings (ROA)100
- Member growth31
- Liquidity (loan-to-share)87
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.11% | 30% |
| Delinquency Rate | 1.40% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | -2.42% | 15% |
| Loan-to-Share Ratio | 61.03% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $90.6M | 5,854 |
| 2024Q4 | $86.6M | 5,999 |
| 2023Q4 | $82.0M | 6,165 |
Credit Union Details
- Charter Number
- 14562
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Evansville
- Data Quarter
- 2025Q4
What This Data Says About Evansville
Evansville is a federal credit union headquartered in Evansville, Indiana, serving 5,854 members with $90.6M in total assets and $47.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 80/100 (Excellent), anchored by a net worth ratio of 14.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #14562 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.40% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 61.03% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.78% on net income of $704K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.42%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Evansville financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Evansville's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.11% net worth ratio and 1.40% delinquency rate are the key drivers.
How does Evansville compare to other credit unions?
On PlainCU's health composite, Evansville lands at 80/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Evansville?
Evansville 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 Evansville directly for the exact boundaries and application steps.
Is my money safe at Evansville?
Federal credit unions like Evansville 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. Evansville's net worth ratio of 14.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Evansville offer compared to banks?
Credit unions like Evansville 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 Evansville directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.