Federal credit union · Indianapolis, Indiana · NCUA charter #15757
Mt Zion Indianapolis
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.4M
- Total assets
- 248
- Members
- 37.8%
- Net-worth ratio
Mt Zion Indianapolis scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.4M; members 248; net-worth ratio 37.80%; health rank #1,538 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,538 of 4,374 health · 2025Q4Mt Zion Indianapolis · health 87/100 · $1.4M · 2025Q4
- PHOTO 87/100
- BOOK 37.8%
- CHARTER 0.00%
- NCUSIF 0.94%
- CAMELS $1.4M
- HEALTH 248
- NW #1,538/4,374
- DELQ n/a
- ROA 15757
Call Report peers
Mt Zion Indianapolis carries $1.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mt Zion Indianapolis 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
87 Top 40% higher than 60% 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
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.
Peer-gap read for Mt Zion Indianapolis
- Largest favorable gap: Net Worth Ratio at 37.80% vs peer 22.93% (+14.87 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Mt Zion Indianapolis
- Health composite ranks #47 of 124 among scored Indiana credit unions.
- Indiana assets place: #117 of 124.
- Member book place in Indiana: #119 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 Mt Zion Indianapolis's 5300 filing moved
Mt Zion Indianapolis: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $1.4M (2025Q4) to $1.4M (2026Q1).
- Net-worth ratio shifted -0.74 pp (38.54% → 37.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 37.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 11.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.80% | +14.87 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.94% | +0.72 pp |
| Member Growth | -1.98% | - |
| Loan-to-Share Ratio | 56.49% | +3.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Mt Zion Indianapolis
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.4M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Mt Zion Indianapolis runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Indianapolis, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Cross-state Call Report peers for Mt Zion Indianapolis
Mt Zion Indianapolis's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Mt Zion Indianapolis ranks #1,538 of 4,374 nationally on financial health and #47 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hammond Firefighters Assn. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hammond Firefighters Assn.
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,538 of 4,374; by total assets it ranks #4,190 of 4,374 nationally (same basis as /rankings/largest); and #117 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 37.80% 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 37.80% 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.
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.