Federal credit union · Winfield, Indiana · NCUA charter #15072
REGIONAL
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $183.3M
- Total assets
- 26,079
- Members
- 13.1%
- Net-worth ratio
REGIONAL scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $183.3M; members 26,079; net-worth ratio 13.14%; health rank #767 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#767 of 4,374 health · 2025Q4REGIONAL · health 92/100 · $183.3M · 2025Q4
Call Report peers
REGIONAL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
REGIONAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); REGIONAL sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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 REGIONAL
- Largest favorable gap: Loan-to-Share Ratio at 78.81% vs peer 72.20% (+6.61 pp).
- Delinquency Rate trails the peer set - 1.07% here, 0.89% peer average (+0.18 pp).
REGIONAL in Indiana
- Health composite ranks #15 of 124 among scored Indiana credit unions.
- Assets rank #32 of 124 inside Indiana ($183.3M reported).
- Member book place in Indiana: #25 of 124.
- One place up in Indiana, Indiana University (#14) scores 93/100, 1 point higher; one place down, PROFED (#16) ties at 92/100.
Quarter path for REGIONAL
REGIONAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $183.3M (2025Q4) to $184.3M (2026Q1).
- Net-worth ratio shifted -0.02 pp (13.16% → 13.14%).
13.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
REGIONAL gives up 8 points in total. Delinquency Rate costs the most, 5.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.14% | +1.03 pp |
| Delinquency Rate | 1.07% | +0.18 pp |
| Return on Assets | 0.80% | +0.17 pp |
| Member Growth | 3.20% | - |
| Loan-to-Share Ratio | 78.81% | +6.61 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
REGIONAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $184.3M | - |
| 2025Q4 | $183.3M | 26,079 |
| 2024Q4 | $179.0M | 25,270 |
| 2023Q4 | $179.1M | 24,544 |
Credit Union Details
- Charter Number
- 15072
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Winfield
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, REGIONAL runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Winfield (Main Office) | Winfield, IN |
| Hammond | Hammond, IN |
| Portage | Valparaiso, IN |
| Valparaiso | Valparaiso, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Other-state peers near REGIONAL
Using this data
- REGIONAL ranks #767 of 4,374 nationally on financial health and #15 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Trust
Frequently Asked Questions
Is REGIONAL financially healthy?
REGIONAL has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #767 of 4,374 nationally on health and #15 of 124 in Indiana. Its net worth ratio is 13.14% and its delinquency rate 1.07%.
How does REGIONAL compare to other credit unions?
REGIONAL scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.81% vs 72.20%). Its widest shortfall is delinquency rate (1.07% vs 0.89%).
How can I join REGIONAL?
REGIONAL 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 REGIONAL directly for the exact boundaries and application steps.
Is my money safe at REGIONAL?
REGIONAL 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. REGIONAL's net worth ratio of 13.14% 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.