State credit union · Indianapolis, Indiana · NCUA charter #68658
Financial Center First
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $952.2M
- Total assets
- 58,129
- Members
- 9.1%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)92
- Asset quality (delinquency)72
- Earnings (ROA)66
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.08% | 30% |
| Delinquency Rate | 1.28% | 25% |
| Return on Assets | 0.16% | 15% |
| Member Growth | -7.39% | 15% |
| Loan-to-Share Ratio | 79.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Financial Center First
Financial Center First is a state credit union headquartered in Indianapolis, Indiana, serving 58,129 members with $952.2M in total assets and $641.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 71/100 (Very Good), anchored by a net worth ratio of 9.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68658 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 79.31% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.28% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.16% on net income of $1.5M 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 -7.39%. 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: Other). 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
Other federally-insured credit unions in Indiana, closest first by peer group 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 Financial Center First financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - Financial Center First's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.08% 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 71/100, 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 9.08% 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.
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.