Federal credit union · Wabash, Indiana · NCUA charter #19432
Fo Me Bo Co
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $3.9M
- Total assets
- 686
- Members
- 16.1%
- Net-worth ratio
Fo Me Bo Co scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.9M; members 686; net-worth ratio 16.08%; health rank #330 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#330 of 4,374 health · 2025Q4Fo Me Bo Co · health 95/100 · $3.9M · 2025Q4
- MEM 95/100
- RANK 16.1%
- PHOTO 0.00%
- BOOK 0.97%
- CHARTER $3.9M
- NCUSIF 686
- CAMELS #330/4,374
- HEALTH n/a
- NW 19432
Call Report peers
Fo Me Bo Co carries $3.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fo Me Bo Co 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
95 Top 10% higher than 90% 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
Fo Me Bo Co - Share Insurance Coverage
Charter #19432's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Fo Me Bo Co
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +13.47 pp (77.07% vs 63.60%).
- Largest lag: Net Worth Ratio at 16.08% vs peer 19.06% (-2.98 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Fo Me Bo Co
- Indiana health ordinal: #7 of 124.
- Assets rank #110 of 124 inside Indiana ($3.9M reported).
- Indiana membership ordinal: #110 of 124.
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 Fo Me Bo Co
Fo Me Bo Co: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $3.9M (2025Q4) to $4.0M (2026Q1).
- Net-worth ratio shifted +0.32 pp (15.76% → 16.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.3 pts
Fo Me Bo Co health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.08% | -2.98 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.97% | +0.52 pp |
| Member Growth | 0.59% | - |
| Loan-to-Share Ratio | 77.07% | +13.47 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Fo Me Bo Co
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.0M | - |
| 2025Q4 | $3.9M | 686 |
| 2024Q4 | $4.4M | 682 |
| 2023Q4 | $4.4M | 663 |
Credit Union Details
- Charter Number
- 19432
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $2M–$10M
- State
- Indiana
- City
- Wabash
- Data Quarter
- 2025Q4
Branch Location
Fo Me Bo Co operates a single office in Wabash, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| FO ME BO CO FCU (Main Office) | Wabash, 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.
Fo Me Bo Co nationwide neighbourhoods
Two NCUA Call Report peer sets for Fo Me Bo Co, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Fo Me Bo Co ranks #330 of 4,374 nationally on financial health and #7 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- T H P is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with T H P
- 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 Fo Me Bo Co financially healthy?
Fo Me Bo Co has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #330 of 4,374; by total assets it ranks #3,971 of 4,374 nationally (same basis as /rankings/largest); and #110 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.08% and delinquency rate of 0.00%.
How does Fo Me Bo Co compare to other credit unions?
95/100 is Fo Me Bo Co's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Fo Me Bo Co?
Fo Me Bo Co is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Fo Me Bo Co directly to confirm eligibility.
Is my money safe at Fo Me Bo Co?
Federal credit unions like Fo Me Bo Co 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. Fo Me Bo Co's net worth ratio of 16.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fo Me Bo Co offer compared to banks?
Credit unions like Fo Me Bo Co 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 Fo Me Bo Co 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.