Federal credit union · Fort Wayne, Indiana · NCUA charter #1427
Midwest America
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $958.8M
- Total assets
- 51,504
- Members
- 14.4%
- Net-worth ratio
Midwest America scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $958.8M; members 51,504; net-worth ratio 14.38%; health rank #1,072 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,072 of 4,374 health · 2025Q4Midwest America · health 90/100 · $958.8M · 2025Q4
- CHARTER 90/100
- NCUSIF 14.4%
- CAMELS 0.89%
- HEALTH 0.79%
- NW $958.8M
- DELQ 51,504
- ROA #1,072/4,374
- ASSETS WESTREET
- MEM 1427
Call Report peers
Midwest America in the assets neighbourhood
Midwest America's $958.8M assets sit next to WESTREET ($958.5M) 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.
Midwest America 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
Midwest America - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1427: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Midwest America
- Loan-to-Share Ratio leads the peer set - 90.57% here, 83.90% peer average (+6.67 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.01 pp (0.89% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Midwest America: in-state Call Report ranks
- Health composite ranks #28 of 124 among scored Indiana credit unions.
- By total assets, Midwest America is #15 of 124 in Indiana.
- Member book place in Indiana: #18 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.
How Midwest America's 5300 filing moved
Midwest America: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $958.8M (2025Q4) to $995.0M (2026Q1).
- Net-worth ratio shifted -0.14 pp (14.52% → 14.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.38% | +3.20 pp |
| Delinquency Rate | 0.89% | +0.01 pp |
| Return on Assets | 0.79% | +0.28 pp |
| Member Growth | 0.14% | - |
| Loan-to-Share Ratio | 90.57% | +6.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Midwest America filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $995.0M | - |
| 2025Q4 | $958.8M | 51,504 |
| 2024Q4 | $900.6M | 51,431 |
| 2023Q4 | $821.3M | 50,349 |
Credit Union Details
- Charter Number
- 1427
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- Fort Wayne
- Data Quarter
- 2025Q4
Branch Locations (19)
Midwest America operates 19 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Medical Park Drive (Main Office) | Fort Wayne, IN |
| Angola | Angola, IN |
| Bluffton | Bluffton, IN |
| Columbia City | Columbia City, IN |
| Decatur | Decatur, IN |
| Tillman | Fort Wayne, IN |
| West Jefferson | Fort Wayne, IN |
| Waynedale | Fort Wayne, IN |
| Lima | Fort Wayne, IN |
| Stellhorn | Fort Wayne, IN |
| Wayne Haven-Innovation Center | Fort Wayne, IN |
| Loan Operations Center-Mortgage, Consumer | Fort Wayne, IN |
| East Dupont | Fort Wayne, IN |
| Bldg #2 Lending Services/Funding | Fort Wayne, IN |
| Bldg #3 Contact Center | Fort Wayne, IN |
| Illinois Road | Fort Wayne, IN |
| Huntington | Huntington, IN |
| Kendallville | Kendallville, IN |
| New Haven | New Haven, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Midwest America nationwide neighbourhoods
Two NCUA Call Report peer sets for Midwest America, both outside Indiana 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 ($958.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Midwest America ranks #1,072 of 4,374 nationally on financial health and #28 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Center First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Center First
- 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 Midwest America financially healthy?
A 14.38% net worth ratio and a 0.89% delinquency rate feed into Midwest America's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,072 of 4,374; by total assets it ranks #484 of 4,374 nationally (same basis as /rankings/largest); and #15 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Midwest America compare to other credit unions?
Midwest America scores 90/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Midwest America?
Midwest America 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 Midwest America directly for the exact boundaries and application steps.
Is my money safe at Midwest America?
Federal credit unions like Midwest America 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. Midwest America's net worth ratio of 14.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midwest America offer compared to banks?
Credit unions like Midwest America 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 Midwest America 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.