State credit union · SPOONER, Wisconsin · NCUA charter #66434
INDIANHEAD
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $97.7M
- Total assets
- 7,262
- Members
- 15.0%
- Net-worth ratio
INDIANHEAD scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.7M; members 7,262; net-worth ratio 14.97%; health rank #594 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#594 of 4,374 health · 2025Q4INDIANHEAD · health 93/100 · $97.7M · 2025Q4
- MEM 93/100
- RANK 15.0%
- PHOTO 0.79%
- BOOK 1.93%
- CHARTER $97.7M
- NCUSIF 7,262
- CAMELS #594/4,374
- HEALTH COMPASS
- NW 66434
Call Report peers
INDIANHEAD in the assets neighbourhood
INDIANHEAD's $97.7M assets sit next to COMPASS ($97.7M) 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.
INDIANHEAD 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
93 Top 16% higher than 84% 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
INDIANHEAD - Share Insurance Coverage
Charter #66434'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.
INDIANHEAD: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 80.98% here, 62.60% peer average (+18.38 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where INDIANHEAD sits in Wisconsin
- Health composite ranks #22 of 100 among scored Wisconsin credit unions.
- Wisconsin assets place: #49 of 100.
- Membership ranks #47 of 100 among Wisconsin CUs with a reported count (7,262 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How INDIANHEAD's 5300 filing moved
INDIANHEAD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $97.7M (2025Q4) to $98.8M (2026Q1).
- Net-worth ratio shifted +0.25 pp (14.72% → 14.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.8 pts
INDIANHEAD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.97% | +1.35 pp |
| Delinquency Rate | 0.79% | -0.17 pp |
| Return on Assets | 1.93% | +1.27 pp |
| Member Growth | 1.71% | - |
| Loan-to-Share Ratio | 80.98% | +18.38 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 | $98.8M | - |
| 2025Q4 | $97.7M | 7,262 |
| 2024Q4 | $92.5M | 7,140 |
| 2023Q4 | $91.4M | 7,034 |
Credit Union Details
- Charter Number
- 66434
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- SPOONER
- Data Quarter
- 2025Q4
Branch Locations (3)
INDIANHEAD operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | SPOONER, WI |
| GRANTSBURG OFFICE | GRANTSBURG, WI |
| SUPERIOR OFFICE | SUPERIOR, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Cross-state Call Report peers for INDIANHEAD
Two NCUA Call Report peer sets for INDIANHEAD, both outside Wisconsin 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 ($97.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- INDIANHEAD ranks #594 of 4,374 nationally on financial health and #22 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwoods Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwoods Community
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 INDIANHEAD financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, INDIANHEAD carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #594 of 4,374; by total assets it ranks #1,842 of 4,374 nationally (same basis as /rankings/largest); and #49 of 100 within Wisconsin. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.97% net worth ratio and a 0.79% delinquency rate.
How does INDIANHEAD compare to other credit unions?
On PlainCU's health composite, INDIANHEAD lands at 93/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 INDIANHEAD?
Membership eligibility for INDIANHEAD depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INDIANHEAD directly for current membership requirements and application steps.
Is my money safe at INDIANHEAD?
Federal credit unions like INDIANHEAD 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. INDIANHEAD's net worth ratio of 14.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INDIANHEAD offer compared to banks?
Credit unions like INDIANHEAD 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 INDIANHEAD 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.