Federal credit union · Terre Haute, Indiana · NCUA charter #4488
T H P
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $4.1M
- Total assets
- 882
- Members
- 23.4%
- Net-worth ratio
T H P scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.1M; members 882; net-worth ratio 23.39%; health rank #2,927 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,927 of 4,374 health · 2025Q4T H P · health 78/100 · $4.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
T H P vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); T H P sits in 75-79 with 502 others.
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
Peer-gap read for T H P
- Loan-to-Share Ratio leads the peer set - 90.67% here, 63.60% peer average (+27.07 pp).
- Largest lag: Return on Assets at -0.11% vs peer 0.45% (-0.56 pp).
Where T H P sits in Indiana
- Indiana health ordinal: #78 of 124.
- By total assets, T H P is #109 of 124 in Indiana.
- Membership ranks #108 of 124 among Indiana CUs with a reported count (882 members).
- One place up in Indiana, Family Horizons (#77) scores 80/100, 2 points higher; one place down, South Bend Firefighters (#79) ties at 78/100.
How T H P's 5300 filing moved
T H P: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $4.1M (2025Q4) to $4.2M (2026Q1).
- Net-worth ratio shifted -0.87 pp (24.26% → 23.39%).
At 23.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
T H P gives up 22 points in total. Return on Assets costs the most, 11.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.5 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for T H P
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.39% | +4.33 pp |
| Delinquency Rate | 0.05% | -1.76 pp |
| Return on Assets | -0.11% | -0.56 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 90.67% | +27.07 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - T H P
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.2M | - |
| 2025Q4 | $4.1M | 882 |
| 2024Q4 | $4.1M | 904 |
| 2023Q4 | $4.4M | 900 |
Credit Union Details
- Charter Number
- 4488
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Indiana
- City
- Terre Haute
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for T H P.
| Office | City |
|---|---|
| THP Federal Credit Union (Main Office) | Terre Haute, 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.
T H P nationwide neighbourhoods
Using this data
- T H P ranks #2,927 of 4,374 nationally on financial health and #78 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fo Me Bo Co is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fo Me Bo Co
Frequently Asked Questions
Is T H P financially healthy?
On its 2025Q4 NCUA 5300 filing, T H P scores 78/100 (Very Good), with a 23.39% net worth ratio and 0.05% of loans delinquent. It ranks #2,927 of 4,374 nationally on health and #78 of 124 in Indiana.
How does T H P compare to other credit unions?
T H P scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (90.67% vs 63.60%). Its widest shortfall is return on assets (-0.11% vs 0.45%).
How can I join T H P?
T H P carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact T H P directly to confirm current membership steps.
Is my money safe at T H P?
T H P 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. T H P's net worth ratio of 23.39% 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.