State credit union · INDIANAPOLIS, Indiana · NCUA charter #68248

FORUM

Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

91
Health / 100
$2.30B
Total assets
164,566
Members
12.9%
Net-worth ratio
A Letter grade on the five-factor composite

FORUM scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.30B; members 164,566; net-worth ratio 12.86%; health rank #932 of 4,374; healthier than 77th of scored peers.

5300 filing masthead

NCUA 5300 Call Report Masthead

#932 of 4,374 health · 2025Q4

FORUM · health 91/100 · $2.30B · 2025Q4

  • RANK 91/100
  • PHOTO 12.9%
  • BOOK 0.42%
  • CHARTER 1.09%
  • NCUSIF $2.30B
  • CAMELS 164,566
  • HEALTH #932/4,374
  • NW Associated Credit Union
  • DELQ 68248

Call Report peers

FORUM in the assets neighbourhood

I. H. Mississippi Valley$2.31BMAX$2.31BDort Financial$2.31BAssociated Credit Union$2.30BFORUM (this)$2.30BCoast Central$2.29B
Nearest other-state credit unions by total assets (NCUA 5300)

FORUM's $2.30B assets sit next to Associated Credit Union ($2.30B) 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.

FORUM 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

91 Top 23% higher than 77% 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

FORUM - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #68248: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

NCUSIF coverage gauge for FORUM Share insurance under NCUSIF covers up to $250,000 per share owner. FORUM holds approximately $1.9B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 12.9 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 12.9% · $1.9B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Where FORUM diverges from peer averages

  • Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +14.14 pp (98.04% vs 83.90%).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

FORUM: in-state Call Report ranks

  • Indiana health ordinal: #23 of 124.
  • Assets rank #7 of 124 inside Indiana ($2.30B reported).
  • Indiana membership ordinal: #3 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 FORUM's 5300 filing moved

FORUM: total assets by quarter

4 Call Report filings on this page's own vintage chain

2,000,000,0002,100,000,0002,200,000,0002,300,000,0002,400,000,000 2023Q42024Q42025Q42026Q1 2,061,308,466 2,335,003,822 ▲ +13.3%
  • Assets moved +1.4% from $2.30B (2025Q4) to $2.34B (2026Q1).
  • Net-worth ratio shifted +0.14 pp (12.72% → 12.86%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 85.7%

At 12.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

How the 91/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 91.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 25.0 pts
  • Return on Assets 15.0 pts
  • Member Growth 9.9 pts
  • Loan-to-Share Ratio 11.1 pts

FORUM health metrics

Metric Value vs peer
Net Worth Ratio 12.86% +1.68 pp
Delinquency Rate 0.42% -0.46 pp
Return on Assets 1.09% +0.58 pp
Member Growth 0.79% -
Loan-to-Share Ratio 98.04% +14.14 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Historical Financials

Quarter Assets Members
2026Q1 $2.34B -
2025Q4 $2.30B 164,566
2024Q4 $2.17B 163,284
2023Q4 $2.06B 162,175

Credit Union Details

Charter Number
68248
Type
State
Field of Membership
Other
Peer Group
Over $500M
State
Indiana
City
INDIANAPOLIS
Data Quarter
2025Q4

Branch Locations (16)

Per its most recent NCUA branch filing, FORUM runs 16 offices in 8 different cities.

Office City
Corporate (Main Office) Fishers, IN
Avon Branch Avon, IN
Carmel Branch Carmel, IN
Fishers Branch Fishers, IN
Geist Olio Road Fishers, IN
Greenfield Branch Greenfield, IN
Center Grove Greenwood, IN
Park 100 Branch Indianapolis, IN
Southport Branch Indianapolis, IN
Greenwood Branch Indianapolis, IN
Downtown Branch Indianapolis, IN
Lawrence Branch Indianapolis, IN
Broad Ripple Branch Indianapolis, IN
Brookville Road Indianapolis, IN
Noblesville Branch Noblesville, IN
Westfield Westfield, 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.

Compare FORUM vs CENTRA

Cross-state Call Report peers for FORUM

Cross-state asset and health neighbours for FORUM - kept outside Indiana; in-state CUs stay in the Nearby block.

Similar health score

Nearest other-state credit unions by five-factor health composite (91/100 here).

United Heritage 91 · TX PEAK 91 · WA CLARITY 91 · ID Greeneville City Employees' 91 · TN

Using this data

  • FORUM ranks #932 of 4,374 nationally on financial health and #23 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • CENTRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTRA
  • 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 FORUM financially healthy?

FORUM has a financial health score of 91/100 (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 #932 of 4,374; by total assets it ranks #231 of 4,374 nationally (same basis as /rankings/largest); and #7 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 12.86% and delinquency rate of 0.42%.

How does FORUM compare to other credit unions?

Five weighted metrics from NCUA filings produce FORUM's 91/100 score on PlainCU's health composite, compared to a peer group average for Over $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 FORUM?

Membership eligibility for FORUM depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FORUM directly for current membership requirements and application steps.

Is my money safe at FORUM?

Federal credit unions like FORUM 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. FORUM's net worth ratio of 12.86% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does FORUM offer compared to banks?

Credit unions like FORUM 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 FORUM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for FORUM. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.