Federal credit union · Anderson, Indiana · NCUA charter #24171
INDEPENDENT
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $89.1M
- Total assets
- 6,158
- Members
- 10.7%
- Net-worth ratio
INDEPENDENT scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $89.1M; members 6,158; net-worth ratio 10.67%; health rank #4,064 of 4,374; healthier than 7th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,064 of 4,374 health · 2025Q4INDEPENDENT · health 60/100 · $89.1M · 2025Q4
- ROA 60/100
- ASSETS 10.7%
- MEM 4.02%
- RANK 0.68%
- PHOTO $89.1M
- BOOK 6,158
- CHARTER #4,064/4,374
- NCUSIF Shelby County
- CAMELS 24171
Call Report peers
INDEPENDENT in the assets neighbourhood
INDEPENDENT's $89.1M assets sit next to Shelby County ($89.1M) 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.
INDEPENDENT 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
60 7th percentile higher than 7% 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
INDEPENDENT - Share Insurance Coverage
Charter #24171'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.
INDEPENDENT vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 72.23% here, 62.60% peer average (+9.63 pp).
- Widest shortfall vs peers is Delinquency Rate: +3.05 pp (4.02% vs 0.96%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for INDEPENDENT
- In Indiana, health place is #116 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #50 of 124.
- Indiana membership ordinal: #53 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.
INDEPENDENT: 2025Q4 → 2026Q1
INDEPENDENT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $89.1M (2025Q4) to $93.8M (2026Q1).
- Net-worth ratio shifted -0.63 pp (11.30% → 10.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.67% | -2.95 pp |
| Delinquency Rate | 4.02% | +3.05 pp |
| Return on Assets | 0.68% | +0.02 pp |
| Member Growth | -4.93% | - |
| Loan-to-Share Ratio | 72.23% | +9.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.8M | - |
| 2025Q4 | $89.1M | 6,158 |
| 2024Q4 | $88.5M | 6,477 |
| 2023Q4 | $89.1M | 6,517 |
Credit Union Details
- Charter Number
- 24171
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Anderson
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for INDEPENDENT.
| Office | City |
|---|---|
| Main Office (Main Office) | Anderson, 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.
Cross-state Call Report peers for INDEPENDENT
Cross-state asset and health neighbours for INDEPENDENT - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($89.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- INDEPENDENT ranks #4,064 of 4,374 nationally on financial health and #116 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVANSVILLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVANSVILLE
- 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 INDEPENDENT financially healthy?
A 10.67% net worth ratio and a 4.02% delinquency rate feed into INDEPENDENT's financial health score of 60/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,064 of 4,374; by total assets it ranks #1,931 of 4,374 nationally (same basis as /rankings/largest); and #50 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does INDEPENDENT compare to other credit unions?
Five weighted metrics from NCUA filings produce INDEPENDENT's 60/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 INDEPENDENT?
INDEPENDENT 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 INDEPENDENT directly for the exact boundaries and application steps.
Is my money safe at INDEPENDENT?
Federal credit unions like INDEPENDENT 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. INDEPENDENT's net worth ratio of 10.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INDEPENDENT offer compared to banks?
Credit unions like INDEPENDENT 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 INDEPENDENT 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.