Federal credit union · Marion, Indiana · NCUA charter #7392
FORTRESS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $21.1M
- Total assets
- 1,915
- Members
- 18.1%
- Net-worth ratio
FORTRESS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.1M; members 1,915; net-worth ratio 18.13%; health rank #1,198 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,198 of 4,374 health · 2025Q4FORTRESS · health 89/100 · $21.1M · 2025Q4
- MEM 89/100
- RANK 18.1%
- PHOTO 0.03%
- BOOK 0.96%
- CHARTER $21.1M
- NCUSIF 1,915
- CAMELS #1,198/4,374
- HEALTH Electrical Workers Local 58
- NW 7392
Call Report peers
FORTRESS in the assets neighbourhood
FORTRESS's $21.1M assets sit next to Electrical Workers Local 58 ($21.1M) 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.
FORTRESS 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
FORTRESS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7392. See our deposit-insurance coverage note.
Where FORTRESS diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +8.71 pp (68.51% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FORTRESS: in-state Call Report ranks
- Health composite ranks #35 of 124 among scored Indiana credit unions.
- Assets rank #94 of 124 inside Indiana ($21.1M reported).
- Indiana membership ordinal: #94 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 FORTRESS's 5300 filing moved
FORTRESS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $21.1M (2025Q4) to $21.7M (2026Q1).
- Net-worth ratio shifted -0.16 pp (18.29% → 18.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 4.2 pts
- Loan-to-Share Ratio 14.8 pts
FORTRESS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.13% | +3.27 pp |
| Delinquency Rate | 0.03% | -1.11 pp |
| Return on Assets | 0.96% | +0.26 pp |
| Member Growth | -2.69% | - |
| Loan-to-Share Ratio | 68.51% | +8.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.7M | - |
| 2025Q4 | $21.1M | 1,915 |
| 2024Q4 | $20.4M | 1,968 |
| 2023Q4 | $18.6M | 1,983 |
Credit Union Details
- Charter Number
- 7392
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Marion
- Data Quarter
- 2025Q4
Branch Locations (3)
FORTRESS operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fortress Federal Credit Union (Main Office) | Marion, IN |
| Bradford Scott Data Corp | Fort Wayne, IN |
| Riverside Federal Credit Union | Marion, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Cross-state Call Report peers for FORTRESS
Two NCUA Call Report peer sets for FORTRESS, 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 ($21.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- FORTRESS ranks #1,198 of 4,374 nationally on financial health and #35 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Grand Heritage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Grand Heritage
- 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 FORTRESS financially healthy?
FORTRESS has a financial health score of 89/100 (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 #1,198 of 4,374; by total assets it ranks #3,115 of 4,374 nationally (same basis as /rankings/largest); and #94 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 18.13% and delinquency rate of 0.03%.
How does FORTRESS compare to other credit unions?
Five weighted metrics from NCUA filings produce FORTRESS's 89/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 FORTRESS?
FORTRESS 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 FORTRESS directly for the exact boundaries and application steps.
Is my money safe at FORTRESS?
Federal credit unions like FORTRESS 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. FORTRESS's net worth ratio of 18.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FORTRESS offer compared to banks?
Credit unions like FORTRESS 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 FORTRESS 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.