Federal credit union · FORT WAYNE, Indiana · NCUA charter #159
Three Rivers
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $2.74B
- Total assets
- 137,864
- Members
- 13.6%
- Net-worth ratio
Three Rivers scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.74B; members 137,864; net-worth ratio 13.60%; health rank #1,088 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,088 of 4,374 health · 2025Q4Three Rivers · health 90/100 · $2.74B · 2025Q4
- RANK 90/100
- PHOTO 13.6%
- BOOK 1.38%
- CHARTER 1.11%
- NCUSIF $2.74B
- CAMELS 137,864
- HEALTH #1,088/4,374
- NW PARTNERS
- DELQ 159
Call Report peers
Three Rivers in the assets neighbourhood
Three Rivers's $2.74B assets sit next to PARTNERS ($2.74B) 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.
Three Rivers 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
90 Top 27% higher than 73% 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
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 vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 89.38% vs peer 83.90% (+5.48 pp).
- Delinquency Rate trails the peer set - 1.38% here, 0.87% peer average (+0.51 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Three Rivers
- In Indiana, health place is #29 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, Three Rivers is #4 of 124 in Indiana.
- Indiana membership ordinal: #6 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.
Three Rivers Call Report trajectory
Three Rivers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $2.74B (2025Q4) to $2.81B (2026Q1).
- Net-worth ratio shifted +0.19 pp (13.41% → 13.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.1 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.60% | +2.42 pp |
| Delinquency Rate | 1.38% | +0.51 pp |
| Return on Assets | 1.11% | +0.60 pp |
| Member Growth | 3.05% | - |
| Loan-to-Share Ratio | 89.38% | +5.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Three Rivers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.81B | - |
| 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
Branch Locations (25)
Three Rivers operates 25 offices across 15 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Northland East (Main Office) | Fort Wayne, IN |
| Angola | Angola, IN |
| Auburn | Auburn, IN |
| Bluffton | Bluffton, IN |
| Columbia City | Columbia City, IN |
| Decatur | Decatur, IN |
| St Joe Center | Fort Wayne, IN |
| Waynedale | Fort Wayne, IN |
| Dupont | Fort Wayne, IN |
| Stellhorn Crossing | Fort Wayne, IN |
| West Jefferson | Fort Wayne, IN |
| Scott Road | Fort Wayne, IN |
| Northland West | Fort Wayne, IN |
| Harrison Square | Fort Wayne, IN |
| East State Village | Fort Wayne, IN |
| Fortville | Fortville, IN |
| Hagerstown | Hagerstown, IN |
| Kendallville | Kendallville, IN |
| Liberty | Liberty, IN |
| Muncie | Muncie, IN |
| New Haven | New Haven, IN |
| Pendleton | Pendleton, IN |
| Richmond Central | Richmond, IN |
| Richmond Eastside | Richmond, IN |
| Saint Marys | Saint Marys, OH |
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
Three Rivers's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.74B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Three Rivers ranks #1,088 of 4,374 nationally on financial health and #29 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Elements Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Elements Financial
- 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 Three Rivers financially healthy?
A 13.60% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,088 of 4,374; by total assets it ranks #180 of 4,374 nationally (same basis as /rankings/largest); and #4 of 124 within Indiana. 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 13.60% 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.
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.