Federal credit union · Fort Wayne, Indiana · NCUA charter #7688
Partners 1st
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $531.5M
- Total assets
- 44,391
- Members
- 9.7%
- Net-worth ratio
Partners 1st scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $531.5M; members 44,391; net-worth ratio 9.67%; health rank #3,012 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,012 of 4,374 health · 2025Q4Partners 1st · health 78/100 · $531.5M · 2025Q4
- ROA 78/100
- ASSETS 9.7%
- MEM 0.55%
- RANK -0.05%
- PHOTO $531.5M
- BOOK 44,391
- CHARTER #3,012/4,374
- NCUSIF SIMPLICITY
- CAMELS 7688
Call Report peers
Partners 1st in the assets neighbourhood
Partners 1st's $531.5M assets sit next to SIMPLICITY ($531.8M) 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.
Partners 1st 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
78 31st percentile higher than 31% 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
Partners 1st - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7688, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Partners 1st: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +8.00 pp (91.90% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.51 pp (9.67% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Partners 1st in Indiana
- Indiana health ordinal: #85 of 124.
- By total assets, Partners 1st is #23 of 124 in Indiana.
- Member book place in Indiana: #20 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.
Quarter path for Partners 1st
Partners 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $531.5M (2025Q4) to $548.4M (2026Q1).
- Net-worth ratio shifted -0.31 pp (9.98% → 9.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 24.5 pts
- Return on Assets 4.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.67% | -1.51 pp |
| Delinquency Rate | 0.55% | -0.32 pp |
| Return on Assets | -0.05% | -0.56 pp |
| Member Growth | -1.81% | - |
| Loan-to-Share Ratio | 91.90% | +8.00 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).
Partners 1st quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $548.4M | - |
| 2025Q4 | $531.5M | 44,391 |
| 2024Q4 | $536.6M | 45,210 |
| 2023Q4 | $570.6M | 46,573 |
Credit Union Details
- Charter Number
- 7688
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- Fort Wayne
- Data Quarter
- 2025Q4
Branch Locations (15)
Per its most recent NCUA branch filing, Partners 1st runs 15 offices in 9 different cities across 3 states.
| Office | City |
|---|---|
| Partners 1st FCU, Br. 1 (Main Office) | Fort Wayne, IN |
| Partners 1st FCU, Br. 78 | Culpeper, VA |
| Partners 1st FCU, Br. 52 | Fort Wayne, IN |
| Partners 1st FCU, Br. 53 | Fort Wayne, IN |
| Partners 1st FCU, Br. 77 | Fort Wayne, IN |
| Partners 1st FCU, Br. 84 | Fort Wayne, IN |
| Partners 1st FCU, Br. 95 | Fort Wayne, IN |
| Partners 1st FCU, Br. 96 | Fort Wayne, IN |
| Partners 1st FCU, Br. 55 | Gordonsville, VA |
| Partners 1st FCU, Br. 81 | Huntington, IN |
| Partners 1st FCU, Br. 88 | Luray, VA |
| Partners 1st FCU, Br. 75 | New Haven, IN |
| Partners 1st FCU, Br. 82 | Orange, VA |
| Partners 1st FCU, Br. 35 | Ottawa, OH |
| Partners 1st FCU, Br. 92 | Stanley, VA |
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.
Other-state peers near Partners 1st
Two NCUA Call Report peer sets for Partners 1st, 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 ($531.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Partners 1st ranks #3,012 of 4,374 nationally on financial health and #85 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Via Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Via Credit Union
- 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 Partners 1st financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Partners 1st'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 #3,012 of 4,374; by total assets it ranks #726 of 4,374 nationally (same basis as /rankings/largest); and #23 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.67% net worth ratio and 0.55% delinquency rate are the key drivers.
How does Partners 1st compare to other credit unions?
On PlainCU's health composite, Partners 1st lands at 78/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Partners 1st?
Partners 1st 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 Partners 1st directly for the exact boundaries and application steps.
Is my money safe at Partners 1st?
Federal credit unions like Partners 1st 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. Partners 1st's net worth ratio of 9.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Partners 1st offer compared to banks?
Credit unions like Partners 1st 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 Partners 1st 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.