Federal credit union · Kokomo, Indiana · NCUA charter #16213
Financial Builders
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $149.4M
- Total assets
- 10,161
- Members
- 12.0%
- Net-worth ratio
Financial Builders scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $149.4M; members 10,161; net-worth ratio 12.02%; health rank #3,181 of 4,374; healthier than 26th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,181 of 4,374 health · 2025Q4Financial Builders · health 76/100 · $149.4M · 2025Q4
- DELQ 76/100
- ROA 12.0%
- ASSETS 0.96%
- MEM 0.22%
- RANK $149.4M
- PHOTO 10,161
- BOOK #3,181/4,374
- CHARTER WAVE
- NCUSIF 16213
Financial Builders in the assets neighbourhood
Financial Builders's $149.4M assets sit next to WAVE ($149.2M) 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.
Financial Builders 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
76 26th percentile higher than 26% 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
Financial Builders - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16213: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Financial Builders
- Loan-to-Share Ratio leads the peer set - 73.35% here, 72.20% peer average (+1.15 pp).
- Widest shortfall vs peers is Return on Assets: -0.40 pp (0.22% vs 0.62%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Financial Builders sits in Indiana
- Indiana health ordinal: #89 of 124.
- By total assets, Financial Builders is #36 of 124 in Indiana.
- Indiana membership ordinal: #36 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.
Financial Builders Call Report trajectory
Financial Builders: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $149.4M (2025Q4) to $154.9M (2026Q1).
- Net-worth ratio shifted -0.15 pp (12.17% → 12.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 10.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Financial Builders health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.02% | -0.09 pp |
| Delinquency Rate | 0.96% | +0.06 pp |
| Return on Assets | 0.22% | -0.40 pp |
| Member Growth | -7.73% | - |
| Loan-to-Share Ratio | 73.35% | +1.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Financial Builders quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $154.9M | - |
| 2025Q4 | $149.4M | 10,161 |
| 2024Q4 | $147.2M | 11,012 |
| 2023Q4 | $138.9M | 11,474 |
Credit Union Details
- Charter Number
- 16213
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Kokomo
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Financial Builders runs one office.
| Office | City |
|---|---|
| Financial Builders Federal Credit Union (Main Office) | Kokomo, 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.
Other-state peers near Financial Builders
Financial Builders's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($149.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Financial Builders ranks #3,181 of 4,374 nationally on financial health and #89 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NATCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NATCO
- 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 Financial Builders financially healthy?
Financial Builders has a financial health score of 76/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,181 of 4,374; by total assets it ranks #1,490 of 4,374 nationally (same basis as /rankings/largest); and #36 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.02% and delinquency rate of 0.96%.
How does Financial Builders compare to other credit unions?
On PlainCU's health composite, Financial Builders lands at 76/100, compared to a peer group average for $100M–$500M 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 Financial Builders?
Financial Builders 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 Financial Builders directly for the exact boundaries and application steps.
Is my money safe at Financial Builders?
Federal credit unions like Financial Builders 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. Financial Builders's net worth ratio of 12.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financial Builders offer compared to banks?
Credit unions like Financial Builders 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 Financial Builders 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.