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
Call Report peers
INDEPENDENT in the assets neighbourhood
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INDEPENDENT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INDEPENDENT sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Indiana, Battery Employees (#115) ties at 60/100; one place down, Howard County School Em (#117) scores 59/100, 1 point lower.
INDEPENDENT: 2025Q4 → 2026Q1
INDEPENDENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $89.1M (2025Q4) to $93.8M (2026Q1).
- Net-worth ratio shifted -0.63 pp (11.30% → 10.67%).
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
INDEPENDENT gives up 40 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is INDEPENDENT financially healthy?
INDEPENDENT has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,064 of 4,374 nationally on health and #116 of 124 in Indiana. Its net worth ratio is 10.67% and its delinquency rate 4.02%.
How does INDEPENDENT compare to other credit unions?
INDEPENDENT scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.23% vs 62.60%). Its widest shortfall is delinquency rate (4.02% vs 0.96%).
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?
INDEPENDENT is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.