Federal credit union · Kokomo, Indiana · NCUA charter #9923
Solidarity Community
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $348.0M
- Total assets
- 23,823
- Members
- 12.2%
- Net-worth ratio
Solidarity Community scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $348.0M; members 23,823; net-worth ratio 12.15%; health rank #1,807 of 4,374; healthier than 57th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,807 of 4,374 health · 2025Q4Solidarity Community · health 86/100 · $348.0M · 2025Q4
- BOOK 86/100
- CHARTER 12.2%
- NCUSIF 0.71%
- CAMELS 0.57%
- HEALTH $348.0M
- NW 23,823
- DELQ #1,807/4,374
- ROA SUNBELT
- ASSETS 9923
Call Report peers
Solidarity Community in the assets neighbourhood
Solidarity Community's $348.0M assets sit next to SUNBELT ($348.3M) 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.
Solidarity Community 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
86 Top 43% higher than 57% 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
Solidarity Community - Share Insurance Coverage
Charter #9923's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Solidarity Community diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.18 pp (0.71% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.70 pp (61.50% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Solidarity Community in Indiana
- Indiana health ordinal: #53 of 124.
- Assets rank #25 of 124 inside Indiana ($348.0M reported).
- Indiana membership ordinal: #26 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.
Solidarity Community: 2025Q4 → 2026Q1
Solidarity Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $348.0M (2025Q4) to $354.6M (2026Q1).
- Net-worth ratio shifted -0.19 pp (12.34% → 12.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 13.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.15% | +0.04 pp |
| Delinquency Rate | 0.71% | -0.18 pp |
| Return on Assets | 0.57% | -0.05 pp |
| Member Growth | -2.29% | - |
| Loan-to-Share Ratio | 61.50% | -10.70 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).
Solidarity Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $354.6M | - |
| 2025Q4 | $348.0M | 23,823 |
| 2024Q4 | $350.0M | 24,381 |
| 2023Q4 | $338.0M | 24,753 |
Credit Union Details
- Charter Number
- 9923
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Kokomo
- Data Quarter
- 2025Q4
Branch Locations (2)
Solidarity Community operates 2 offices in Kokomo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Kokomo, IN |
| Westside Branch | Kokomo, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Solidarity Community - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($348.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Solidarity Community ranks #1,807 of 4,374 nationally on financial health and #53 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INDUSTRIAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INDUSTRIAL
- 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 Solidarity Community financially healthy?
Solidarity Community has a financial health score of 86/100 (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 #1,807 of 4,374; by total assets it ranks #948 of 4,374 nationally (same basis as /rankings/largest); and #25 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 12.15% and delinquency rate of 0.71%.
How does Solidarity Community compare to other credit unions?
PlainCU's health composite puts Solidarity Community at 86/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Solidarity Community?
Solidarity Community 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 Solidarity Community directly for the exact boundaries and application steps.
Is my money safe at Solidarity Community?
Federal credit unions like Solidarity Community 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. Solidarity Community's net worth ratio of 12.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Solidarity Community offer compared to banks?
Credit unions like Solidarity Community 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 Solidarity Community 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.