Federal credit union · Hammond, Indiana · NCUA charter #1457
FINANS
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $8.9M
- Total assets
- 1,356
- Members
- 11.4%
- Net-worth ratio
FINANS scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.9M; members 1,356; net-worth ratio 11.37%; health rank #3,874 of 4,374; healthier than 11th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,874 of 4,374 health · 2025Q4FINANS · health 65/100 · $8.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FINANS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FINANS sits in 65-69 with 275 others.
65 11th percentile higher than 11% 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
Peer-gap read for FINANS
- Largest lag: Loan-to-Share Ratio at 31.99% vs peer 63.60% (-31.61 pp).
Where FINANS sits in Indiana
- Indiana health ordinal: #109 of 124.
- Indiana assets place: #106 of 124.
- Membership ranks #100 of 124 among Indiana CUs with a reported count (1,356 members).
- One place up in Indiana, Richmond Light Employees (#108) ties at 65/100; one place down, Concora Wabash (#110) scores 64/100, 1 point lower.
FINANS Call Report trajectory
FINANS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $8.9M (2025Q4) to $9.1M (2026Q1).
- Net-worth ratio shifted -0.31 pp (11.68% → 11.37%).
This credit union's 11.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
FINANS gives up 35 points in total. Delinquency Rate costs the most, 15.9 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.1 pts
- Return on Assets 10.5 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 8.6 pts
FINANS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.37% | -7.69 pp |
| Delinquency Rate | 2.54% | +0.73 pp |
| Return on Assets | 0.20% | -0.25 pp |
| Member Growth | -1.24% | - |
| Loan-to-Share Ratio | 31.99% | -31.61 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
FINANS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.1M | - |
| 2025Q4 | $8.9M | 1,356 |
| 2024Q4 | $8.9M | 1,373 |
| 2023Q4 | $9.7M | 1,759 |
Credit Union Details
- Charter Number
- 1457
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Indiana
- City
- Hammond
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for FINANS, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| FinAns Federal Credit Union (Main Office) | Hammond, IN |
| Fiserv | Brookfield, WI |
| Service Center | Indianapolis, 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.
FINANS nationwide neighbourhoods
Using this data
- FINANS ranks #3,874 of 4,374 nationally on financial health and #109 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Del Met is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Del Met
Frequently Asked Questions
Is FINANS financially healthy?
FINANS has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,874 of 4,374 nationally on health and #109 of 124 in Indiana. Its net worth ratio is 11.37% and its delinquency rate 2.54%.
How does FINANS compare to other credit unions?
FINANS scores 65/100, higher than 11% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (31.99% vs 63.60%).
How can I join FINANS?
FINANS 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 FINANS directly for the exact boundaries and application steps.
Is my money safe at FINANS?
FINANS 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. FINANS's net worth ratio of 11.37% 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.