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
- BOOK 78/100
- CHARTER 23.4%
- NCUSIF 0.05%
- CAMELS -0.11%
- HEALTH $4.1M
- NW 882
- DELQ #2,927/4,374
- ROA n/a
- ASSETS 4488
Call Report peers
T H P carries $4.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
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
T H P - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4488. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How T H P's 5300 filing moved
T H P: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $4.1M (2025Q4) to $4.2M (2026Q1).
- Net-worth ratio shifted -0.87 pp (24.26% → 23.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for T H P - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- 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 T H P financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, T H P carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,927 of 4,374; by total assets it ranks #3,963 of 4,374 nationally (same basis as /rankings/largest); and #109 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.39% net worth ratio and a 0.05% delinquency rate.
How does T H P compare to other credit unions?
T H P scores 78/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like T H P 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. T H P's net worth ratio of 23.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does T H P offer compared to banks?
Credit unions like T H P 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 T H P 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.