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
- DELQ 92/100
- ROA 13.1%
- ASSETS 1.07%
- MEM 0.80%
- RANK $183.3M
- PHOTO 26,079
- BOOK #767/4,374
- CHARTER Nw Preferred
- NCUSIF 15072
Call Report peers
REGIONAL in the assets neighbourhood
REGIONAL's $183.3M assets sit next to Nw Preferred ($183.3M) 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.
REGIONAL 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
92 Top 20% higher than 80% 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
REGIONAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #15072 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 REGIONAL
REGIONAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $183.3M (2025Q4) to $184.3M (2026Q1).
- Net-worth ratio shifted -0.02 pp (13.16% → 13.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for REGIONAL - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($183.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 REGIONAL financially healthy?
REGIONAL has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #767 of 4,374; by total assets it ranks #1,342 of 4,374 nationally (same basis as /rankings/largest); and #32 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.14% and delinquency rate of 1.07%.
How does REGIONAL compare to other credit unions?
Five weighted metrics from NCUA filings produce REGIONAL's 92/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like REGIONAL 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. REGIONAL's net worth ratio of 13.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does REGIONAL offer compared to banks?
Credit unions like REGIONAL 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 REGIONAL 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.