State credit union · Michigan City, Indiana · NCUA charter #68596
First Trust
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $184.7M
- Total assets
- 14,934
- Members
- 13.0%
- Net-worth ratio
First Trust scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.7M; members 14,934; net-worth ratio 13.03%; health rank #1,948 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,948 of 4,374 health · 2025Q4First Trust · health 85/100 · $184.7M · 2025Q4
- PHOTO 85/100
- BOOK 13.0%
- CHARTER 1.28%
- NCUSIF 1.25%
- CAMELS $184.7M
- HEALTH 14,934
- NW #1,948/4,374
- DELQ Employee Resources
- ROA 68596
Call Report peers
First Trust in the assets neighbourhood
First Trust's $184.7M assets sit next to Employee Resources ($184.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Trust vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% 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
First Trust - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68596. See our deposit-insurance coverage note.
First Trust: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.92 pp (13.03% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 31.73% here, 72.20% peer average (-40.47 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Trust sits in Indiana
- Health composite ranks #57 of 124 among scored Indiana credit unions.
- By total assets, First Trust is #31 of 124 in Indiana.
- Membership ranks #32 of 124 among Indiana CUs with a reported count (14,934 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for First Trust
First Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $184.7M (2025Q4) to $192.6M (2026Q1).
- Net-worth ratio shifted -0.23 pp (13.26% → 13.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.9 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 8.7 pts
First Trust health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.03% | +0.92 pp |
| Delinquency Rate | 1.28% | +0.38 pp |
| Return on Assets | 1.25% | +0.63 pp |
| Member Growth | 3.68% | - |
| Loan-to-Share Ratio | 31.73% | -40.47 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Trust filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $192.6M | - |
| 2025Q4 | $184.7M | 14,934 |
| 2024Q4 | $176.5M | 14,404 |
| 2023Q4 | $160.9M | 14,065 |
Credit Union Details
- Charter Number
- 68596
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Michigan City
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, First Trust runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| First Trust Federal Credit (Main Office) | Michigan City, IN |
| First Trust Credit Union | La Porte, IN |
| First Trust Credit Union | Valparaiso, IN |
| First Trust Credit Union | Wheatfield, 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.
First Trust nationwide neighbourhoods
First Trust's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($184.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- First Trust ranks #1,948 of 4,374 nationally on financial health and #57 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- REGIONAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with REGIONAL
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Trust financially healthy?
First Trust scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,948 of 4,374; by total assets it ranks #1,332 of 4,374 nationally (same basis as /rankings/largest); and #31 of 124 within Indiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.03% net worth ratio and a 1.28% delinquency rate.
How does First Trust compare to other credit unions?
Five weighted metrics from NCUA filings produce First Trust's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 First Trust?
Membership eligibility for First Trust depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Trust directly for current membership requirements and application steps.
Is my money safe at First Trust?
Federal credit unions like First Trust 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. First Trust's net worth ratio of 13.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Trust offer compared to banks?
Credit unions like First Trust 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 First Trust directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.