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
Call Report peers
Midwest America in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Midwest America sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Indiana, Energy Plus (#27) ties at 90/100; one place down, Three Rivers (#29) ties at 90/100.
How Midwest America's 5300 filing moved
Midwest America: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $958.8M (2025Q4) to $995.0M (2026Q1).
- Net-worth ratio shifted -0.14 pp (14.52% → 14.38%).
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
Midwest America gives up 10 points in total. Member Growth costs the most, 5.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Midwest America financially healthy?
On its 2025Q4 NCUA 5300 filing, Midwest America scores 90/100 (Excellent), with a 14.38% net worth ratio and 0.89% of loans delinquent. It ranks #1,072 of 4,374 nationally on health and #28 of 124 in Indiana.
How does Midwest America compare to other credit unions?
Midwest America scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.57% vs 83.90%). Its widest shortfall is delinquency rate (0.89% vs 0.87%).
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?
Midwest America is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.