Federal credit union · Indianapolis, Indiana · NCUA charter #15757
Mt Zion Indianapolis
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.4M
- Total assets
- 248
- Members
- 38.2%
- Net-worth ratio
Mt Zion Indianapolis - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15757, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Mt Zion Indianapolis - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth36
- Liquidity (loan-to-share)80
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 38.16% 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 | 38.16% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | -1.98% | 15% |
| Loan-to-Share Ratio | 56.49% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.4M | 248 |
| 2024Q4 | $1.1M | 253 |
| 2023Q4 | $1.2M | 251 |
Credit Union Details
- Charter Number
- 15757
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- Indiana
- City
- Indianapolis
- Data Quarter
- 2025Q4
What This Data Says About Mt Zion Indianapolis
248 members and $1.4M in total assets sit behind Mt Zion Indianapolis, a federal credit union in Indianapolis, Indiana, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $381K in outstanding loans as of Q4 2025 and a net worth ratio of 38.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #15757 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 56.49% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.94% on net income of $13K 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 -1.98%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community/Select Employee Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
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 Mt Zion Indianapolis financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Mt Zion Indianapolis's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 38.16% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Mt Zion Indianapolis compare to other credit unions?
Mt Zion Indianapolis scores 87/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 Mt Zion Indianapolis?
Mt Zion Indianapolis 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 Mt Zion Indianapolis directly for the exact boundaries and application steps.
Is my money safe at Mt Zion Indianapolis?
Federal credit unions like Mt Zion Indianapolis 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. Mt Zion Indianapolis's net worth ratio of 38.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mt Zion Indianapolis offer compared to banks?
Credit unions like Mt Zion Indianapolis 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 Mt Zion Indianapolis 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.