State credit union · Indianapolis, Indiana · NCUA charter #68658
Financial Center First
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $952.2M
- Total assets
- 58,129
- Members
- 11.1%
- Net-worth ratio
Financial Center First scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $952.2M; members 58,129; net-worth ratio 11.14%; health rank #3,412 of 4,374; healthier than 21st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,412 of 4,374 health · 2025Q4Financial Center First · health 73/100 · $952.2M · 2025Q4
- MEM 73/100
- RANK 11.1%
- PHOTO 1.28%
- BOOK 0.16%
- CHARTER $952.2M
- NCUSIF 58,129
- CAMELS #3,412/4,374
- HEALTH HOUSTON
- NW 68658
Call Report peers
Financial Center First in the assets neighbourhood
Financial Center First's $952.2M assets sit next to HOUSTON ($950.7M) 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.
Financial Center First 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
73 21st percentile higher than 21% 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 Center First - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68658: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Financial Center First: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.59 pp (79.31% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Financial Center First
- In Indiana, health place is #96 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #16 of 124.
- Member book place in Indiana: #16 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.
Quarter path for Financial Center First
Financial Center First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $952.2M (2025Q4) to $952.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.07% → 11.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.9 pts
- Return on Assets 9.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
Financial Center First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.14% | -0.04 pp |
| Delinquency Rate | 1.28% | +0.40 pp |
| Return on Assets | 0.16% | -0.35 pp |
| Member Growth | -7.39% | - |
| Loan-to-Share Ratio | 79.31% | -4.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $952.6M | - |
| 2025Q4 | $952.2M | 58,129 |
| 2024Q4 | $883.6M | 62,768 |
| 2023Q4 | $841.9M | 68,375 |
Credit Union Details
- Charter Number
- 68658
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Indiana
- City
- Indianapolis
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, Financial Center First runs 10 offices in 6 different cities.
| Office | City |
|---|---|
| Main Center (Main Office) | Indianapolis, IN |
| Greenwood | Greenwood, IN |
| Park 100 | Indianapolis, IN |
| Southside | Indianapolis, IN |
| Downtown Indy Post Office | Indianapolis, IN |
| Kokomo | KOKOMO, IN |
| McCordsville | McCordsville, IN |
| Muncie | Muncie, IN |
| Ball St Student Center | Muncie, IN |
| Hazel Dell Crossing | Noblesville, 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
Two NCUA Call Report peer sets for Financial Center First, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($952.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Financial Center First ranks #3,412 of 4,374 nationally on financial health and #96 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Midwest America is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Midwest America
- 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 Center First financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Financial Center First'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 #3,412 of 4,374; by total assets it ranks #487 of 4,374 nationally (same basis as /rankings/largest); and #16 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.14% net worth ratio and 1.28% delinquency rate are the key drivers.
How does Financial Center First compare to other credit unions?
PlainCU's health composite puts Financial Center First at 73/100, compared to a peer group average for Over $500M 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 Financial Center First?
Membership eligibility for Financial Center First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financial Center First directly for current membership requirements and application steps.
Is my money safe at Financial Center First?
Federal credit unions like Financial Center First 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 Center First's net worth ratio of 11.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financial Center First offer compared to banks?
Credit unions like Financial Center First 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 Center First 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.