Federal credit union · Lafayette, Indiana · NCUA charter #24026
INDUSTRIAL
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $340.3M
- Total assets
- 31,838
- Members
- 8.8%
- Net-worth ratio
INDUSTRIAL scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $340.3M; members 31,838; net-worth ratio 8.82%; health rank #1,168 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,168 of 4,374 health · 2025Q4INDUSTRIAL · health 90/100 · $340.3M · 2025Q4
- ROA 90/100
- ASSETS 8.8%
- MEM 0.71%
- RANK 0.68%
- PHOTO $340.3M
- BOOK 31,838
- CHARTER #1,168/4,374
- NCUSIF GULF
- CAMELS 24026
Call Report peers
INDUSTRIAL in the assets neighbourhood
INDUSTRIAL's $340.3M assets sit next to GULF ($340.4M) 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.
INDUSTRIAL 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
90 Top 27% higher than 73% 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
INDUSTRIAL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24026, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
INDUSTRIAL: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 79.17% vs peer 72.20% (+6.97 pp).
- Net Worth Ratio trails the peer set - 8.82% here, 12.11% peer average (-3.29 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
INDUSTRIAL: in-state Call Report ranks
- In Indiana, health place is #33 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, INDUSTRIAL is #26 of 124 in Indiana.
- Member book place in Indiana: #24 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.
INDUSTRIAL Call Report trajectory
INDUSTRIAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $340.3M (2025Q4) to $355.6M (2026Q1).
- Net-worth ratio shifted -0.10 pp (8.92% → 8.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 14.9 pts
INDUSTRIAL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.82% | -3.29 pp |
| Delinquency Rate | 0.71% | -0.19 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | 0.94% | - |
| Loan-to-Share Ratio | 79.17% | +6.97 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $355.6M | - |
| 2025Q4 | $340.3M | 31,838 |
| 2024Q4 | $314.8M | 31,541 |
| 2023Q4 | $313.3M | 30,914 |
Credit Union Details
- Charter Number
- 24026
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Lafayette
- Data Quarter
- 2025Q4
Branch Locations (9)
INDUSTRIAL operates 9 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Lafayette, IN |
| Covington | Covington, IN |
| Crawfordsville | Crawfordsville, IN |
| Delphi | Delphi, IN |
| Frankfort | Frankfort, IN |
| Lafayette South | Lafayette, IN |
| Lafayette East | Lafayette, IN |
| Monticello | Monticello, IN |
| West Lafayette | West Lafayette, 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.
INDUSTRIAL nationwide neighbourhoods
Cross-state asset and health neighbours for INDUSTRIAL - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($340.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- INDUSTRIAL ranks #1,168 of 4,374 nationally on financial health and #33 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Solidarity Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Solidarity Community
- 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 INDUSTRIAL financially healthy?
INDUSTRIAL has a financial health score of 90/100 (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 #1,168 of 4,374; by total assets it ranks #962 of 4,374 nationally (same basis as /rankings/largest); and #26 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 8.82% and delinquency rate of 0.71%.
How does INDUSTRIAL compare to other credit unions?
90/100 is INDUSTRIAL's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 INDUSTRIAL?
INDUSTRIAL 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 INDUSTRIAL directly for the exact boundaries and application steps.
Is my money safe at INDUSTRIAL?
Federal credit unions like INDUSTRIAL 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. INDUSTRIAL's net worth ratio of 8.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INDUSTRIAL offer compared to banks?
Credit unions like INDUSTRIAL 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 INDUSTRIAL 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.