Federal credit union · Fort Wayne, Indiana · NCUA charter #5431
Fort Financial
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $371.1M
- Total assets
- 23,589
- Members
- 11.8%
- Net-worth ratio
Fort Financial scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $371.1M; members 23,589; net-worth ratio 11.76%; health rank #1,275 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,275 of 4,374 health · 2025Q4Fort Financial · health 89/100 · $371.1M · 2025Q4
- ASSETS 89/100
- MEM 11.8%
- RANK 0.34%
- PHOTO 0.65%
- BOOK $371.1M
- CHARTER 23,589
- NCUSIF #1,275/4,374
- CAMELS IGNITE
- HEALTH 5431
Call Report peers
Fort Financial in the assets neighbourhood
Fort Financial's $371.1M assets sit next to IGNITE ($371.2M) 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.
Fort Financial 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
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
Fort Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5431 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Fort Financial diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.10 pp (90.30% vs 72.20%).
- Net Worth Ratio trails the peer set - 11.76% here, 12.11% peer average (-0.35 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Fort Financial: in-state Call Report ranks
- Indiana health ordinal: #38 of 124.
- Assets rank #24 of 124 inside Indiana ($371.1M reported).
- Indiana membership ordinal: #27 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.
How Fort Financial's 5300 filing moved
Fort Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.3% from $371.1M (2025Q4) to $398.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.79% → 11.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.76% | -0.35 pp |
| Delinquency Rate | 0.34% | -0.55 pp |
| Return on Assets | 0.65% | +0.03 pp |
| Member Growth | -2.61% | - |
| Loan-to-Share Ratio | 90.30% | +18.10 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).
Call Report history - Fort Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $398.4M | - |
| 2025Q4 | $371.1M | 23,589 |
| 2024Q4 | $342.6M | 24,222 |
| 2023Q4 | $342.9M | 25,837 |
Credit Union Details
- Charter Number
- 5431
- Type
- Federal
- Field of Membership
- Select Employee Group
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Fort Wayne
- Data Quarter
- 2025Q4
Branch Locations (8)
Fort Financial operates 8 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fort Financial Credit Union (Main Office) | Fort Wayne, IN |
| Fort Financial Credit Union | Angola, IN |
| Fort Financial Credit Union | Auburn, IN |
| Fort Financial Credit Union | Churubusco, IN |
| Fort Financial Credit Union | Corinth, MS |
| Fort Financial Credit Union | Fort Wayne, IN |
| Fort Financial Credit Union | Fort Wayne, IN |
| Fort Financial Credit Union | Fort Wayne, 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.
Fort Financial nationwide neighbourhoods
Two NCUA Call Report peer sets for Fort Financial, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($371.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Fort Financial ranks #1,275 of 4,374 nationally on financial health and #38 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Solidarity Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Solidarity Community
- 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 Fort Financial financially healthy?
A 11.76% net worth ratio and a 0.34% delinquency rate feed into Fort Financial's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,275 of 4,374; by total assets it ranks #910 of 4,374 nationally (same basis as /rankings/largest); and #24 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Fort Financial compare to other credit unions?
Fort Financial scores 89/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Fort Financial?
Fort Financial serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Fort Financial directly for the current list of qualifying groups.
Is my money safe at Fort Financial?
Federal credit unions like Fort Financial 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. Fort Financial's net worth ratio of 11.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Financial offer compared to banks?
Credit unions like Fort Financial 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 Fort Financial 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.