State credit union · West Des Moines, Iowa · NCUA charter #62965
Financial Plus
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $233.3M
- Total assets
- 11,712
- Members
- 14.1%
- Net-worth ratio
Financial Plus scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $233.3M; members 11,712; net-worth ratio 14.10%; health rank #1,225 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,225 of 4,374 health · 2025Q4Financial Plus · health 89/100 · $233.3M · 2025Q4
Call Report peers
Financial Plus in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Plus vs every NCUA-scored credit union
Financial Plus sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Where Financial Plus diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +12.33 pp (84.53% vs 72.20%).
- Delinquency Rate trails the peer set - 0.93% here, 0.89% peer average (+0.04 pp).
Financial Plus in Iowa
- In Iowa, health place is #21 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #16 of 66.
- Membership ranks #19 of 66 among Iowa CUs with a reported count (11,712 members).
- One place up in Iowa, Members1st Community (#20) scores 90/100, 1 point higher; one place down, AIM (#22) ties at 89/100.
Financial Plus Call Report trajectory
Financial Plus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $233.3M (2025Q4) to $239.6M (2026Q1).
- Net-worth ratio shifted -0.16 pp (14.26% → 14.10%).
At 14.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Financial Plus gives up 11 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Financial Plus
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.10% | +1.99 pp |
| Delinquency Rate | 0.93% | +0.04 pp |
| Return on Assets | 1.27% | +0.65 pp |
| Member Growth | -0.17% | - |
| Loan-to-Share Ratio | 84.53% | +12.33 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $239.6M | - |
| 2025Q4 | $233.3M | 11,712 |
| 2024Q4 | $218.4M | 11,732 |
| 2023Q4 | $202.1M | 11,921 |
Credit Union Details
- Charter Number
- 62965
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- West Des Moines
- Data Quarter
- 2025Q4
Branch Locations (4)
Financial Plus operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| West Des Moines (Main Office) | West Des Moines, IA |
| Fleur | Des Moines, IA |
| Euclid | Des Moines, IA |
| Ingersoll | Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Financial Plus nationwide neighbourhoods
Using this data
- Financial Plus ranks #1,225 of 4,374 nationally on financial health and #21 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cedar Falls Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cedar Falls Community
Frequently Asked Questions
Is Financial Plus financially healthy?
Financial Plus has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,225 of 4,374 nationally on health and #21 of 66 in Iowa. Its net worth ratio is 14.10% and its delinquency rate 0.93%.
How does Financial Plus compare to other credit unions?
Financial Plus scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.53% vs 72.20%). Its widest shortfall is delinquency rate (0.93% vs 0.89%).
How can I join Financial Plus?
Membership eligibility for Financial Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financial Plus directly for current membership requirements and application steps.
Is my money safe at Financial Plus?
Financial Plus 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 Plus's net worth ratio of 14.10% 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.