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
Call Report peers
Financial Center First in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Financial Center First sits in 70-74 with 317 others.
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: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.59 pp (79.31% vs 83.90%).
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.
- One place up in Indiana, HOMETOWN (#95) ties at 73/100; one place down, Members Source (#97) scores 72/100, 1 point lower.
Quarter path for Financial Center First
Financial Center First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $952.2M (2025Q4) to $952.6M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.07% → 11.14%).
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
Financial Center First gives up 27 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Financial Center First financially healthy?
Financial Center First has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,412 of 4,374 nationally on health and #96 of 124 in Indiana. Its net worth ratio is 11.14% and its delinquency rate 1.28%.
How does Financial Center First compare to other credit unions?
Financial Center First scores 73/100, higher than 21% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (79.31% vs 83.90%).
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?
Financial Center First is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.