Federal credit union · Terre Haute, Indiana · NCUA charter #13616
Indiana State University
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $134.2M
- Total assets
- 10,003
- Members
- 13.5%
- Net-worth ratio
Indiana State University scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $134.2M; members 10,003; net-worth ratio 13.46%; health rank #162 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#162 of 4,374 health · 2025Q4Indiana State University · health 97/100 · $134.2M · 2025Q4
- ROA 97/100
- ASSETS 13.5%
- MEM 0.42%
- RANK 0.88%
- PHOTO $134.2M
- BOOK 10,003
- CHARTER #162/4,374
- NCUSIF Greater Cincinnati School
- CAMELS 13616
Call Report peers
Indiana State University in the assets neighbourhood
Indiana State University's $134.2M assets sit next to Greater Cincinnati School ($134.2M) 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.
Indiana State University 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
97 Top 5% higher than 95% 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
Indiana State University - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13616. See our deposit-insurance coverage note.
Indiana State University vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.35 pp (13.46% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 68.71% here, 72.20% peer average (-3.49 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana State University in Indiana
- Indiana health ordinal: #5 of 124.
- By total assets, Indiana State University is #37 of 124 in Indiana.
- Indiana membership ordinal: #37 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.
Quarter path for Indiana State University
Indiana State University: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $134.2M (2025Q4) to $138.6M (2026Q1).
- Net-worth ratio shifted -0.22 pp (13.68% → 13.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 15.0 pts
Indiana State University vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.46% | +1.35 pp |
| Delinquency Rate | 0.42% | -0.48 pp |
| Return on Assets | 0.88% | +0.26 pp |
| Member Growth | 2.47% | - |
| Loan-to-Share Ratio | 68.71% | -3.49 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).
Indiana State University filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $138.6M | - |
| 2025Q4 | $134.2M | 10,003 |
| 2024Q4 | $132.1M | 9,762 |
| 2023Q4 | $130.1M | 9,565 |
Credit Union Details
- Charter Number
- 13616
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Terre Haute
- Data Quarter
- 2025Q4
Branch Locations (3)
Indiana State University operates 3 offices in Terre Haute, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ISU Credit Union (Main Office) | Terre Haute, IN |
| Jadcore, Inc. | Terre Haute, IN |
| Sackrider & Company, Inc | Terre Haute, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Indiana State University - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($134.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Indiana State University ranks #162 of 4,374 nationally on financial health and #5 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Advantage is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Advantage
- 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 Indiana State University financially healthy?
Indiana State University scores 97/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #162 of 4,374; by total assets it ranks #1,581 of 4,374 nationally (same basis as /rankings/largest); and #37 of 124 within Indiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.46% net worth ratio and a 0.42% delinquency rate.
How does Indiana State University compare to other credit unions?
PlainCU's health composite puts Indiana State University at 97/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Indiana State University?
Indiana State University 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 Indiana State University directly for the exact boundaries and application steps.
Is my money safe at Indiana State University?
Federal credit unions like Indiana State University 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. Indiana State University's net worth ratio of 13.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Indiana State University offer compared to banks?
Credit unions like Indiana State University 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 Indiana State University 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.