Federal credit union · Indianapolis, Indiana · NCUA charter #20793
Financial Health
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $30.9M
- Total assets
- 7,332
- Members
- 10.6%
- Net-worth ratio
Financial Health scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.9M; members 7,332; net-worth ratio 10.58%; health rank #4,114 of 4,374; healthier than 6th of scored peers.
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NCUA 5300 Call Report Masthead
#4,114 of 4,374 health · 2025Q4Financial Health · health 58/100 · $30.9M · 2025Q4
Call Report peers
Financial Health in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Health vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Health sits in 55-59 with 115 others.
58 6th percentile higher than 6% 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 Health vs $10M–$50M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.52 pp (50.28% vs 59.80%).
Financial Health: in-state Call Report ranks
- In Indiana, health place is #120 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #86 of 124.
- Member book place in Indiana: #51 of 124.
- One place up in Indiana, Community Spirit Credit Union (#119) scores 59/100, 1 point higher; one place down, Gary Municipal Employees (#121) scores 56/100, 2 points lower.
How Financial Health's 5300 filing moved
Financial Health: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $30.9M (2025Q4) to $31.5M (2026Q1).
- Net-worth ratio shifted -1.32 pp (11.90% → 10.58%).
10.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 58/100 score is built
Financial Health gives up 42 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 12.2 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.58% | -4.28 pp |
| Delinquency Rate | 4.28% | +3.13 pp |
| Return on Assets | 0.32% | -0.39 pp |
| Member Growth | -2.12% | - |
| Loan-to-Share Ratio | 50.28% | -9.52 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Financial Health filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.5M | - |
| 2025Q4 | $30.9M | 7,332 |
| 2024Q4 | $30.9M | 7,491 |
| 2023Q4 | $35.2M | 7,776 |
Credit Union Details
- Charter Number
- 20793
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Indianapolis
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Financial Health.
| Office | City |
|---|---|
| Financial Health Federal Credit Union (Main Office) | Indianapolis, IN |
| FHFCU- East Branch | Indianapolis, IN |
| FHFCU MED TOWER BRANCH | Indianapolis, 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.
Financial Health nationwide neighbourhoods
Similar total assets
Using this data
- Financial Health ranks #4,114 of 4,374 nationally on financial health and #120 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Howard County School Em is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Howard County School Em
Frequently Asked Questions
Is Financial Health financially healthy?
Financial Health has a financial health score of 58/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,114 of 4,374 nationally on health and #120 of 124 in Indiana. Its net worth ratio is 10.58% and its delinquency rate 4.28%.
How does Financial Health compare to other credit unions?
Financial Health scores 58/100, higher than 6% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (50.28% vs 59.80%).
How can I join Financial Health?
Financial Health 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 Health directly for the exact boundaries and application steps.
Is my money safe at Financial Health?
Financial Health is a federal 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 Health's net worth ratio of 10.58% 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.