Federal credit union · FORT WAYNE, Indiana · NCUA charter #159
Three Rivers
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $2.74B
- Total assets
- 137,864
- Members
- 13.1%
- Net-worth ratio
Three Rivers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #159. See our deposit-insurance coverage note.
Three Rivers - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)69
- Earnings (ROA)100
- Member growth84
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.14% | 30% |
| Delinquency Rate | 1.38% | 25% |
| Return on Assets | 1.11% | 15% |
| Member Growth | 3.05% | 15% |
| Loan-to-Share Ratio | 89.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.74B | 137,864 |
| 2024Q4 | $2.48B | 133,783 |
| 2023Q4 | $2.34B | 117,610 |
Credit Union Details
- Charter Number
- 159
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- FORT WAYNE
- Data Quarter
- 2025Q4
What This Data Says About Three Rivers
Three Rivers is a federal credit union headquartered in FORT WAYNE, Indiana, serving 137,864 members with $2.74B in total assets and $1.81B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 13.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #159 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.38% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 89.38% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.11% on net income of $30.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.05%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other/Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Three Rivers financially healthy?
A 13.14% net worth ratio and a 1.38% delinquency rate feed into Three Rivers's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Three Rivers compare to other credit unions?
Three Rivers scores 90/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 Three Rivers?
Three Rivers 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 Three Rivers directly for the exact boundaries and application steps.
Is my money safe at Three Rivers?
Federal credit unions like Three Rivers 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. Three Rivers's net worth ratio of 13.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Three Rivers offer compared to banks?
Credit unions like Three Rivers 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 Three Rivers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.