Federal credit union · Fort Wayne, Indiana · NCUA charter #1427
Midwest America
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $958.8M
- Total assets
- 51,504
- Members
- 14.5%
- Net-worth ratio
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.
Midwest America - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)85
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)98
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.49% | 30% |
| Delinquency Rate | 0.89% | 25% |
| Return on Assets | 0.79% | 15% |
| Member Growth | 0.14% | 15% |
| Loan-to-Share Ratio | 90.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Midwest America
Headquartered in Fort Wayne, Indiana, Midwest America is a federal credit union with 51,504 members, $958.8M in total assets, and $730.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 90/100 (Excellent), driven in part by a net worth ratio of 14.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1427 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.89% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 90.57% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.79% on net income of $7.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.14%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Midwest America financially healthy?
A 14.49% 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. 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 14.49% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.